Motor Takaful Policy ‫وﺛﻴﻘﺔ ﺗﻜﺎﻓﻞ اﻟﻤﺮﻛﺒﺎت‬

Terms and Conditions ‫اﻟﺸﺮوط وا®ﺣﻜﺎم‬

Policy No. ‫رﻗﻢ اﻟﻮﺛﻴﻘﺔ‬

INDEX ‫اﻟﻔﻬﺮس‬

Introduction ‫اﻟﻤﻘﺪﻣﺔ‬

1 Definitions ‫اﻟﺘﻌﺮﻳﻔﺎت‬ 1

2 Scope of Coverage ‫ﻣﺠﺎل اﻟﺘﻐﻄﻴﺔ‬ 2

2.1 Losses and Damages to the Vehicle ‫ اﻟﻔﻘﺪ واﻟﺨﺴﺎﺋﺮ اﻟﺘﻲ ﺗﻠﺤﻖ ﺑﺎﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻨﺔ‬١-٢
2.1.i Scope of Coverage ‫ ﻣﺠﺎل اﻟﺘﻐﻄﻴﺔ‬١-١-٢
2.1.ii Reasonable Precaution ‫ اﻻﺣﺘﻴﺎﻃﺎت اﻟﻤﻌﻘﻮﻟﺔ‬٢-١-٢
2.1.iii Exclusions ‫ اﻻﺳﺘﺜﻨﺎءات‬٣-١-٢
2.1.iv Claims Settlement ‫ ﺗﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت‬٤-١-٢
2.1.v Depreciation and Deductible ‫ اﻟﺘﺤﻤﻞ واﻻﺳﺘﻬﻼك‬٥-١-٢
2.1.vi Company Right of Recourse ‫ ﺣﻖ اﻟﺸﺮﻛﺔ ﻓﻲ اﻟﺮﺟﻮع‬٦-١-٢

2.2 Third Party Liability ‫ اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﺗﺠﺎه اﻟﻐﻴﺮ‬٢-٢

2.2.i Scope ‫ ﻣﺠﺎل اﻟﺘﻐﻄﻴﺔ‬١-٢-٢
2.2.ii Limits ‫ ﺣﺪود اﻟﺘﻐﻄﻴﺔ‬٢-٢-٢
2.2.iii Cases Not Allowed to Disclaim Liabilities ‫ ﺣﺎﻻت ﻋﺪم اﻟﺘﻨﺎزل‬٣-٢-٢
2.2.iv Cases Reserving Right of Recourse ‫ ﺣﻖ اﻟﺸﺮﻛﺔ ﻓﻲ اﻟﺮﺟﻮع‬٤-٢-٢

2.3 Optional Coverage (‫ ﺗﻐﻄﻴﺎت ﺗﺄﻣﻴﻨﻴﺔ إﺿﺎﻓﻴﺔ )اﺧﺘﻴﺎرﻳﺔ‬٣-٢

2.3.i Personal Accident ‫ اﻟﺤﻮادث اﻟﺸﺨﺼﻴﺔ‬١-٣-٢
2.3.ii Roadside Assistance ‫ ﺗﻘﺪﻳﻢ اﻟﻤﺴﺎﻋﺪة ﻋﻠﻰ اﻟﻄﺮﻳﻖ‬٢-٣-٢
2.3.iii Geographical Extension ‫ ﺗﻮﺳﻴﻊ اﻟﻨﻄﺎق اﻟﺠﻐﺮاﻓﻲ ﻟﻠﺘﻐﻄﻴﺔ‬٣-٣-٢
2.3.iv Replacement Car ‫ اﻟﻤﺮﻛﺒﺔ اﻟﺒﺪﻳﻠﺔ‬٤-٣-٢
2.3.v Waiver of Depreciation ‫ ﻋﺪم ﺗﻄﺒﻴﻖ ﻧﺴﺒﺔ اﻻﺳﺘﻬﻼك‬٥-٣-٢
2.3.vi Agency Repair ‫ ا«ﺻﻼح ﻓﻲ اﻟﻮﻛﺎﻟﺔ‬٦-٣-٢

2.4 Other Coverages ‫ اﻟﺘﻐﻄﻴﺎت ا®ﺧﺮى‬٤-٢

2.4.i Emergency Medical Expenses ‫ ﻣﺼﺎرﻳﻒ اﻟﻌﻼج اﻟﻄﺎرﺋﺔ‬٢-٤-١
2.4.ii Towing and Protection ‫ اﻟﺴﺤﺐ واﻟﺤﻤﺎﻳﺔ‬٢-٤-٢

3 General Exclusions ‫اﻻﺳﺘﺜﻨﺎءات اﻟﻌﺎﻣﺔ‬ 3

4 General Provisions ‫ا®ﺣﻜﺎم اﻟﺸﺮﻋﻴﺔ‬ 4

5 Claims Settlement Procedures ‫إﺟﺮاءات ﺗﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت‬ 5

6 Other Sections ‫أﻗﺴﺎم أﺧﺮى‬ 6

P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
 Introduction
All praise and gratitude to Allah the Almighty, may He shed His grace
on our messenger Muhammad, His family, and companions:
Based on the person stating their desire to claim coverage through
the participation fund through Al Rajhi Takaful’s regulations and their
desire to pay the required fee - paid by the individual or
representative – to the Participation Fund.
Whereas Al Rajhi Takaful for Cooperative Insurance - expressed later
as the company - based in accordance with the provisions of Islamic
Shari‘ah managing the Cooperative Insurance and investing the
participants’ money fund for their benefit operations against
management fees estimated based on a percentage of the value of net
written premiums - stated in the policy schedule - collected at the end
of financial year from the Participation Fund and not exceeding 90%
from the net achieved annual surplus, and booked in the shareholders’
fund; after the distribution of 10% of the net surplus to the participants
directly or by reducing their premiums for the following year.
An agreement has been reached between “Al Rajhi Company for
Cooperative Insurance” as the Manager of the Participations Fund
and the applied participant policy holder or his representative in
acceptance of his request to enter under the Takaful coverage and in
accordance to the articles included in the schedule attached to this
policy. Coverage will be extended during the validity period or its
renewal or any other subsequent period in which the policy holder
has additionally contributed and the company has accepted such
contribution.
With this, the participant is considered to be covered under Takaful
along with all other participants, distributing their personal risks
amongst themselves in a cooperative manner of assistance. This policy
will cover the participant against the amounts which he will be held
legally liable to pay to others resulting of accident due to the use of
the covered vehicle and any damage due to covered accident
according to the rulings, terms and conditions drawn out in this
document and any other additional attached documents.
1 - Definitions
Unless otherwise expressed herein, the following the terms shall have
the description in front of each of them, wherever they appear in this
policy.
1.1 Vehicle Driver: Whoever is driving the vehicle, whose age is
18 (in Hijri) years old or above, and holding a driving license.
1.2 Civil Liability: The liability of the insured or the driver
towards a third party for material, physical damages, or expenses
inflicted by the vehicle.
1.3 Claim: Requesting indemnity for damage resulting from an
accident not excluded under this policy.
Al Rajhi Co. for Cooperative Insurance
‫اﻟﻤﻘﺪﻣﺔ‬
‫ وﻋﻠﻰ آﻟﻪ‬،‫ واﻟﺼﻼة واﻟﺴﻼم ﻋﻠﻰ ﻧﺒﻴﻨﺎ ﻣﺤﻤﺪ‬،‫اﻟﺤﻤﺪ  رب اﻟﻌﺎﻟﻤﻴﻦ‬
:‫ وﺑﻌﺪ‬،‫وﺻﺤﺒﻪ أﺟﻤﻌﻴﻦ‬
‫ﺑﻨﺎء ﻋﻠﻰ اﻟﺮﻏﺒﺔ اﻟﺘﻲ ﺻﺮح ﺑﻬﺎ اﻟﻤﺬﻛﻮر اﺳﻤﻪ وﺳﺠ ّﻠﻪ ﻓﻲ ﻃﻠﺐ اﻻﺷﺘﺮاك‬ً
‫ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﻣﻨﻔﻌﺔ اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﻣﻦ ﺧﻼل اﻻﺷﺘﺮاك ﻓﻲ ﺻﻨﺪوق‬
- ‫ واﻟﺘﺰاﻣﻪ ﺑﺘﺴﺪﻳﺪ رﺳﻢ اﻻﺷﺘﺮاك‬،‫اﻟﻤﺸﺘﺮﻛﻴﻦ اﻟﺬي ﻳﻘﻮم ﻋﻠﻰ أﺳﺎس اﻟﺘﻜﺎﻓﻞ‬
.‫ ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬- ‫اﻟﻤﺪﻓﻮع ﻣﻦ ﻗﺒﻠﻪ أو ﻣﻦ ﻳﻨﻮب ﻋﻨﻪ‬
- ‫ اﻟﻤﻌﺒﺮ ﻋﻨﻬﺎ ﻓﻴﻤﺎ ﺑﻌﺪ ﺑﺎﻟﺸﺮﻛﺔ‬- ‫وﺑﻤﺎ أن ﺷﺮﻛﺔ اﻟﺮاﺟﺤﻲ ﻟﻠﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ‬
‫ﺗﻘﻮم وﻓﻘ¯ ®ﺣﻜﺎم اﻟﺸﺮﻳﻌﺔ ا«ﺳﻼﻣﻴﺔ ﺑﺈدارة ﻋﻤﻠﻴﺎت اﻟﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ‬
‫واﺳﺘﺜﻤـــﺎر أﻣﻮال ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ ﻟﺼﺎﻟﺤﻬﻢ ﻧﻈﻴﺮ أﺗﻌﺎب إدارة ﻣﻘﺪرة ﻋﻠﻰ‬
‫ ﺗﺤﺪد ﺑﺠﺪول‬- ‫أﺳﺎس ﻧﺴﺒﺔ ﻣﺌﻮﻳﺔ ﻣﻦ ﻗﻴﻤﺔ ﺻﺎﻓﻲ أﻗﺴﺎط اﻟﺘﺄﻣﻴﻦ اﻟﻤﻜﺘﺘﺒﺔ‬
‫ ﺗﺴﺘﻮﻓﻰ ﻓﻲ ﻧﻬﺎﻳﺔ اﻟﺴﻨﺔ اﻟﻤﺎﻟﻴﺔ ﻣﻦ ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ ﺑﻤﺎ ﻻ‬- ‫اﻟﻮﺛﻴﻘﺔ‬
‫ وﺗﺮﺣﻞ إﻟﻰ ﺣﺴﺎب‬،‫ ﻣﻦ ﺻﺎﻓﻲ اﻟﻔﺎﺋﺾ اﻟﺴﻨﻮي اﻟﻤﺘﺤﻘﻖ ﻓﻴﻪ‬٪٩٠ ‫ﻳﺘﺠﺎوز‬
‫ ﻣﻦ اﻟﻔﺎﺋﺾ اﻟﺼﺎﻓﻲ ﻋﻠﻰ اﻟﻤﺸﺘﺮﻛﻴﻦ‬%١٠ ‫اﻟﻤﺴﺎﻫﻤﻴﻦ؛ وذﻟﻚ ﺑﻌﺪ ﺗﻮزﻳﻊ‬
.‫ﻣﺒﺎﺷﺮة أو ﺑﺘﺨﻔﻴﺾ أﻗﺴﺎﻃﻬﻢ ﻟﻠﺴﻨﺔ اﻟﺘﺎﻟﻴﺔ‬
‫ ﺑﺈﻋﺘﺒﺎرﻫﺎ‬- ‫ﻓﻘﺪ ﺗﻢ اﻻﺗﻔﺎق ﺑﻴﻦ ﺷﺮﻛﺔ اﻟﺮاﺟﺤﻲ ﻟﻠﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ‬
‫ واﻟﻤﺘﻘﺪم ﺑﻄﻠﺐ اﻻﺷﺘﺮاك أو ﻣﻦ ﻳﻨﻮب ﻋﻨﻪ‬-‫ﻣﺪﻳﺮة ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬
‫ﻋﻠﻰ ﻗﺒﻮل ﻃﻠﺒﻪ ﻟﻠﺪﺧﻮل ﺗﺤﺖ ﻏﻄﺎء اﻟﺘﻜﺎﻓﻞ وﻓﻘ¯ ﻟﻠﺒﻨﻮد اﻟﻤﺪرﺟﺔ ﻓﻲ‬
‫ﻣﺪ ة ﻻﺣﻘﺔ‬
ّ ‫أي‬ّ ‫ﺟﺪول ﻫﺬه اﻟﻮﺛﻴﻘﺔ أﺛﻨﺎء ﻓﺘﺮة ﺳﺮﻳﺎﻧﻬﺎ أو ﺗﺠﺪﻳﺪﻫﺎ أو‬
. ‫إﺿﺎﻓﻲ‬
‫ﱟ‬ ‫اﺷﺘﺮك ﻓﻴﻬﺎ اﻟﻤﺘﻘﺪم ﺑﺎﺷﺘﺮاك‬
‫ﻼ ﻣﻊ ﺑﻘﻴﺔ اﻟﻤﺸﺘﺮﻛﻴﻦ ﻟﺘﻔﺘﻴﺖ ا®ﺧﻄﺎر اﻟﺘﻲ ﺗﻘﻊ‬ ً ‫وﺑﻬﺬا ﻳﻌﺪ اﻟﻤﺸﺘﺮك ﻣﺘﻜﺎﻓ‬
‫ﻟﻬﻢ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﺘﻌﺎون واﻟﻤﻮاﺳﺎة؛ ﺣﻴﺚ ﺗﻐﻄﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ اﻟﻤﺒﺎﻟﻎ اﻟﺘﻲ ﻳﻠﺰم‬
‫ واﻟﻨﺎﺗﺠﺔ ﻋﻦ ﺣﺎدث ﺗﺮﺗّﺐ ﻋﻠﻰ اﺳﺘﻌﻤﺎل اﻟﻤﺮﻛﺒﺔ‬،‫اﻟﻤﺸﺘﺮك ﻧﻈﺎﻣ¯ ﺑﺪﻓﻌﻬﺎ ﻟﻠﻐﻴﺮ‬
ّ
‫ﻣﻐﻄﻰ؛‬ ‫ وﻣﺎ ﻳﺼﻴﺐ ﺗﻠﻚ اﻟﻤﺮﻛﺒﺔ ﻣﻦ ﺿﺮر ﺑﺴﺒﺐ ﺣﺎدث‬،‫اﻟﻤﺸﻤﻮﻟﺔ ﺑﺎﻟﺘﻐﻄﻴﺔ‬
.‫أي ﻣﻠﺤﻖ ﻳﻀﺎف إﻟﻴﻬﺎ‬ّ ‫ﺣﻜﺎم واﻟﺸﺮوط اﻟﻮاردة ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ أو‬Î‫وذﻟﻚ وﻓﻘ¯ ﻟ‬
‫ اﻟﺘﻌﺮﻳﻔﺎت‬- ١
‫ﺗﻴﺔ اﻟﻤﺪﻟﻮﻻت واﻟﺘﻌﺮﻳﻔﺎت اﻟﻤﺪوﻧﺔ أﻣﺎﻣﻬﺎ ﻛﻠﻤﺎ وردت ﻓﻲ‬Ï‫ﺗﺤﻤﻞ اﻟﻤﺼﻄﻠﺤﺎت ا‬
:‫ ﻣﺎﻟﻢ ﻳﺸﺮ اﻟﻨﺺ إﻟﻰ ﺧﻼف ذﻟﻚ‬،‫ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
(‫ ﺳﻨﺔ )ﺑﺎﻟﻬﺠﺮي‬١٨ ‫ ﻛﻞ ﻣﻦ ﻳﻘﻮد اﻟﻤﺮﻛﺒﺔ وﻋﻤﺮه‬:‫اﻟﺴﺎﺋﻖ‬/‫ ﺳﺎﺋﻖ اﻟﻤﺮﻛﺒﺔ‬١/١
.‫وﻣﺎ ﻓﻮق وﻳﺤﻤﻞ رﺧﺼﺔ ﻗﻴﺎدة‬
‫اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ ﺗﺠﺎه اﻟﻐﻴﺮ ﻋﻤﺎ‬
‫ﱠ‬ ‫ ﻣﺴﺌﻮﻟﻴﺔ‬:‫ اﻟﻤﺴﺌﻮﻟﻴﺔ اﻟﻤﺪﻧﻴﺔ‬١/٢
.‫ﻳﺘﺴﺒﺐ ﻓﻴﻪ ﻣﻦ أﺿﺮار ﻣﺎدﻳﺔ أو ﺟﺴﺪﻳﺔ أو اﻟﻤﺼﺎرﻳﻒ ﺑﻔﻌﻞ اﻟﻤﺮﻛﺒﺔ‬
.‫ ﻃﻠﺐ ﺗﻌﻮﻳﺾ ﻋﻦ ﺿﺮر ﻧﺎﺗﺞ ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬:‫ اﻟﻤﻄﺎﻟﺒﺔ‬١/٣
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
1.4 Claimant: An individual، their legal representative, or the legal
representative of a juristic person، who sustains loss resulted from
accident not excluded under this policy.
1.5 Company: An insurance company that accepts insurance
directly from the insured – Al Rajhi Takaful, CR No. 1 010270371.
1.6 Subscription: Amount paid by the insured to the company for
its agreement to indemnify the third party for damage or loss whose
direct cause is a risk that is not excluded under this policy.
1.7 Subscription Fund: It is the entity in which contribution
amounts paid by the participants are collected, and from which the
Takaful privileges are paid to entitled participants after deducting relevant
fees and expenses. All Takaful bands will be a single financial entity.
1.8 Indemnity: Amounts to be paid by the company to a third
party within the maximum civil liability specified in this policy.
1.9 Deductible: This is the amount which will be borne by the
participant from each and every admissible loss, as mentioned in the
policy schedule.
1.10 Material Damages: Damages to property belonging to
the third party.
1.11Expenses: All costs which are incurred by the third party as a
result of damage resulted from an accident not excluded by insurance
under this policy.
1.12 The Insured: A natural or juristic person who signs with the
company an insurance policy and whose name is stated in the policy
schedule.
1.13 Physical Damages: Death or physical injuries that might
inflict third parties under a covered reason in this policy including
complete or partial disability whether permanent or temporary
1/.14.i) Policy: Refers to the terms and conditions of the contract of
insurance, also called a policy wording, a plus policy schedule and
insurance certificates. Proposal forms are also an integral part of the
policy.
1.14.ii) Compulsory Insurance Policy: Third Party Liability
Motor Insurance policy is a contract under which the insurer
undertakes to indemnify the third party upon the occurrence of a loss
which is not excluded under the policy as a result of an accident made
by the insured vehicle, for a subscription paid by the insured. This
policy shall include the terms and conditions, exclusions, policy
schedule, and appendices if any provided that they shall not contradict
or violate the provisions stated in this policy.
1.15 Policy Schedule: The schedule attached to the policy that
contains data of the insured and the vehicle, is an integral part of the
policy.
1.16 Essential Fact: Any information that affects the company's
decision of subscription pricing for 25% or more, the terms and
conditions of the policy, contract, or accepting a claim.
Al Rajhi Co. for Cooperative Insurance
‫ اﻟﺸﺨﺺ اﻟﻄﺒﻴﻌﻲ أو ﻣﻦ ﻳﻤﺜﻠﻪ ﻧﻈﺎﻣﻴ¯ أو اﻟﻤﻤﺜﻞ‬:‫ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ‬١/٤
‫اﻟﻨﻈﺎﻣﻲ ﻟﻠﺸﺨﺺ اﻻﻋﺘﺒﺎري اﻟﺬي ﻟﺤﻖ ﺑﻪ ﺿﺮر ﻧﺎﺗﺞ ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ‬
.‫ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬
- ‫اﻟﻤﺆﻣﻦ ﻟﻬﻢ‬
ّ ‫ ﺷﺮﻛﺔ اﻟﺘﺄﻣﻴﻦ اﻟﺘﻲ ﺗﻘﺒﻞ اﻟﺘﺄﻣﻴﻦ ﻣﺒﺎﺷﺮة ﻣﻦ‬:‫ اﻟﺸﺮﻛﺔ‬١/٥
.١٠١٠٢٧٠٣٧١. ‫ﺷﺮﻛﺔ ﺗﻜﺎﻓﻞ اﻟﺮاﺟﺤﻲ رﻗﻢ اﻟﺴﺠﻞ اﻟﺘﺠﺎري‬
‫اﻟﻤﺆﻣﻦ ﻟﻪ ﻟﻠﺸﺮﻛﺔ ﻣﻘﺎﺑﻞ ﻣﻮاﻓﻘﺘﻬﺎ ﻋﻠﻰ‬
‫ﱠ‬ ‫ اﻟﻤﺒﻠﻎ اﻟﺬي ﻳﺪﻓﻌﻪ‬:‫ اﻻﺷﺘﺮاك‬١/٦
‫ﺗﻌﻮﻳﺾ اﻟﻐﻴﺮ ﻋﻦ اﻟﻀﺮر أو اﻟﺨﺴﺎرة اﻟﺘﻲ ﻳﻜﻮن اﻟﺴﺒﺐ اﻟﻤﺒﺎﺷﺮ ﻓﻲ وﻗﻮﻋﻬﺎ‬
.‫ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬Ö‫ﺧﻄﺮ‬
‫ ﻫﻮ ﻋﺒﺎرة ﻋﻦ وﻋﺎء ﻟﺘﺠﻤﻴﻊ اﺷﺘﺮاﻛﺎت اﻟﻤﺸﺘﺮﻛﻴﻦ اﻟﺘﻲ‬:‫ ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬٧/١
‫ﻳﺴﺎﻫﻤﻮن ﺑﻬﺎ ﻟﺘﺤﻘﻴﻖ ﻏﺮﺿﻬﻢ ﻣﻦ ﺳﺪاد ﻣﺰاﻳﺎ اﻟﺘﻜﺎﻓﻞ ﻟﻠﻤﺸﺘﺮﻛﻴﻦ اﻟﻤﺴﺘﺤﻘﻴﻦ‬
‫ ﻓﺈن ﺟﻤﻴﻊ‬.‫ وﻟﺘﺤﻘﻴﻖ أﻏﺮاض اﻟﺼﻨﺪوق‬.‫ﺑﻌﺪ اﻗﺘﻄﺎع اﻟﺮﺳﻮم واﻟﻨﻔﻘﺎت اﻟﻤﻼﺋﻤﺔ‬
.‫ﻣﺤﺎﻓﻆ اﻟﺘﻜﺎﻓﻞ ﺑﺄﻧﻮاﻋﻬﺎ ﺳﺘﻜﻮن ﻣﺘﻜﺎﻓﻠﺔ ﻓﻴﻤﺎ ﺑﻴﻨﻬﺎ وﺗﻜﻮن ذﻣﺔ ﻣﺎﻟﻴﺔ واﺣﺪة‬
‫ اﻟﻤﺒﺎﻟﻎ اﻟﺘﻲ ﻳﺘﻌﻴﻦ ﻋﻠﻰ اﻟﺸﺮﻛﺔ دﻓﻌﻬﺎ ﻟﻄﺮف ﺛﺎﻟﺚ ﺿﻤﻦ اﻟﺤﺪ‬:‫ اﻟﺘﻌﻮﻳﺾ‬٨/١
.‫ا®ﻗﺼﻰ ﻟﻠﻤﺴﺆوﻟﻴﺔ اﻟﻤﺪﻧﻴﺔ اﻟﻮاردة ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫ اﻟﻤﺒﻠﻎ اﻟﺬي ﻳﺘﺤﻤﻠﻪ اﻟﻤﺸﺘﺮك ﻋﻦ ﻛﻞ ﺗﻠﻒ أو ﺧﺴﺎرة ﻣﻘﺒﻮل‬:‫ ﻣﺒﻠﻎ اﻟﺘﺤﻤﻞ‬١/٩
.‫ﺑﻨﺎء ﻋﻠﻰ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
ً
.‫ اﻟﺘﻠﻒ اﻟﺬي ﻗﺪ ﻳﻠﺤﻖ ﺑﺎﻟﻤﻤﺘﻠﻜﺎت اﻟﻌﺎﺋﺪة ﻟﻄﺮف ﺛﺎﻟﺚ‬:‫ ا®ﺿﺮار اﻟﻤﺎدﻳﺔ‬١/١٠
‫ ﺟﻤﻴﻊ اﻟﺘﻜﺎﻟﻴﻒ اﻟﺘﻲ ﻳﺘﺤﻤﻠﻬﺎ ﻃﺮف ﺛﺎﻟﺚ ﺑﺴﺒﺐ اﻟﻀﺮر اﻟﻨﺎﺗﺞ‬:‫ اﻟﻤﺼﺎرﻳﻒ‬١١/١
.‫ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬
‫ اﻟﺸﺨﺺ اﻟﻄﺒﻴﻌﻲ أو اﻻﻋﺘﺒﺎري اﻟﺬي أﺑ َﺮم ﻣﻊ اﻟﺸﺮﻛﺔ وﺛﻴﻘﺔ‬:‫اﻟﻤﺆﻣﻦ ﻟﻪ‬
‫ﱠ‬ ١٢/١
.‫اﻟﺘﺄﻣﻴﻦ اﻟﻤﺒﻴﻦ اﺳﻤﻪ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬
‫ اﻟﻮﻓﺎة أو ا«ﺻﺎﺑﺎت اﻟﺒﺪﻧﻴﺔ اﻟﺘﻲ ﻗﺪ ﺗﻠﺤﻖ ﺑﻄﺮف ﺛﺎﻟﺚ‬:‫ ا®ﺿﺮار اﻟﺠﺴﺪﻳﺔ‬١٣/١
.‫ﺑﻤﺎ ﻓﻲ ذﻟﻚ ا«ﻋﺎﻗﺔ اﻟﻜﻠﻴﺔ أو اﻟﺠﺰﺋﻴﺔ اﻟﺪاﺋﻤﺔ أو اﻟﻤﺆﻗﺘﺔ‬
‫ ﻣﺴﺘﻨﺪ ﻳﺘﻀﻤﻦ ﺷﺮوط وأﺣﻜﺎم ﻋﻘﺪ اﻟﺘﺄﻣﻴﻦ واﻟﺬي ﻳﺸﺎر إﻟﻴﻪ‬:‫ أ( اﻟﻮﺛﻴﻘﺔ‬١٤/١
‫اﺣﻴﺎﻧ¯ ﺑﻨﺺ اﻟﻮﺛﻴﻘﺔ وﻳﻌﺪ ﺟﺪول اﻟﻮﺛﻴﻘﺔ وﺷﻬﺎدات اﻟﺘﺄﻣﻴﻦ وﻧﻤﻮذج اﻟﻌﺮض ﺟﺰء‬
.‫ﻻ ﻳﺘﺠﺰأ ﻣﻦ اﻟﻮﺛﻴﻘﺔ‬
‫ وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ اﻟﻤﺴﺌﻮﻟﻴﺔ اﻟﻤﺪﻧﻴﺔ ﺗﺠﺎه ﻃﺮف‬:‫ ب( وﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ ا«ﻟﺰاﻣﻲ‬١٤/١
‫ ﺗﺘﻌﻬﺪ ﺑﻤﻘﺘﻀﺎﻫﺎ اﻟﺸﺮﻛﺔ ﺑﺄن ﺗﻌﻮض اﻟﻄﺮف‬Ö‫ﺛﺎﻟﺚ ﻟﻠﻤﺮﻛﺒﺎت وﺗﻌﺘﺒﺮ ﻋﻘﺪ‬
‫ ﺑﺴﺒﺐ ﺣﺎدث‬،‫اﻟﺜﺎﻟﺚ ﻋﻨﺪ وﻗﻮع ﺿﺮر ﻧﺎﺗﺞ ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬
‫ وﺗﺸﻤﻞ ﻫﺬه‬.‫اﻟﻤﺆﻣﻦ ﻟﻪ‬
‫ﱠ‬ ‫ ﻣﻘﺎﺑﻞ اﻻﺷﺘﺮاك اﻟﺬي ﻳﺪﻓﻌﻪ‬،‫ﺗﺴﺒﺒﺖ ﻓﻴﻪ اﻟﻤﺮﻛﺒﺔ‬
‫اﻟﻮﺛﻴﻘﺔ ا®ﺣﻜﺎم واﻟﺸﺮوط واﻻﺳﺘﺜﻨﺎءات وﺟﺪول اﻟﻮﺛﻴﻘﺔ واﻟﻤﻼﺣﻖ إن وﺟﺪت ﻋﻠﻰ‬
.‫أﻻ ﻳﺘﻌﺎرض أي ﻣﻨﻬﺎ أو ﻳﺨﺎﻟﻒ ا®ﺣﻜﺎم اﻟﻮاردة ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫ اﻟﺠﺪول اﻟﻤﺮﻓﻖ ﺑﺎﻟﻮﺛﻴﻘﺔ واﻟﻤﺘﻀﻤﻦ ﻟﺒﻌﺾ ﺑﻴﺎﻧﺎت‬:‫( ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬١٥/١
.‫ ﻻ ﻳﺘﺠﺰأ ﻣﻨﻬﺎ‬Ö‫اﻟﻤﺆﻣﻦ ﻟﻪ واﻟﻤﺮﻛﺒﺔ وﻳﻌﺘﺒﺮ ﺟﺰء‬
‫ أي ﻣﻌﻠﻮﻣﺔ ﻗﺪ ﺗﺆﺛ ﱢﺮ ﻋﻠﻰ ﻗﺮار اﻟﺸﺮﻛﺔ ﻓﻲ ﺗﺤﺪﻳﺪ‬:‫ اﻟﺤﻘﻴﻘﺔ اﻟﺠﻮﻫﺮﻳﺔ‬١٦/١
.‫ وأﻛﺜﺮ أو ﻋﻠﻰ ﺷﺮوط اﻟﻮﺛﻴﻘﺔ أو ﻗﺒﻮل اﻟﻤﻄﺎﻟﺒﺔ‬٪٢٥ ‫اﻻﺷﺘﺮاك ﺑﻨﺴﺒﺔ‬
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
1.17 Third Party: Any natural or juristic person who sustains loss
or damage covered under the provisions of this policy, excluding the
insured and/or the driver makes the accident.
1.18 The Insured Vehicle/Vehicle: Any means of transportation
designed to move by wheels or chain, being moved or pulled by an
engine or animal power, as described in the policy - excluding trains.
1.19 Accident: Any incident that causes damage to third party as a
result of the use, explosion, burning, dispersal, movement,
self-propulsion, or stopover.
1.20 Essential Change: A change that increases the likelihood of
accidental occurrence or increases its severity.
1.21 Right of Recourse: The right of the company to recover the
compensation it paid to the third party from the insured, the driver
causing the accident for the damage resulting from any case of the
Right of Recourse cases or exceptions.
1.22 Appendix: An agreement between the insurer and the
insured after the issuance of the policy adding, modifying, or canceling
coverage to the basic coverage. It shall be attached to the policy and
shall be considered an integral part thereof.
2 - Scope of Coverage:
Your policy schedule shows the level and limits of coverage you have
opted for.
2.1 Losses and Damages of the Participant’s Vehicle
2.1.i Scope of Coverage
Unless specifically excluded from your policy schedule or approved riders,
the participant’s vehicle or vehicles mentioned in the policy schedule are
covered against accidental damage as a result of the following:
1 - Accidental collision or overturning.
2 - Fire, lighting, and explosion.
3 - Theft or attempted theft.
4 - Deliberate damages by others.
5 - Natural disasters like flood, rain, torrents, and hail.
2.1.ii Reasonable Precaution Due to the Participant
with Respect to the Vehicle:
a) Protection of the Vehicle: The participant has to take all known
measures to protect the vehicle against loss or damage and to keep
the vehicle in good condition. The company has the right at all times
to check the vehicle or any of its parts.
b) Custody of the Vehicle After the Accident: In case any
accident takes place or/and damages the vehicle, it mustn’t be left without
any guard or without taking necessary precautions to prevent further
loss or damage. Any aggravation or additional damage to the vehicle will
be excluded from the scope of indemnity granted by this policy.
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017
‫ ﻛﻞ ﺷﺨﺺ ﻃﺒﻴﻌﻲ أو اﻋﺘﺒﺎري ﺗﻠﺤﻖ ﺑﻪ ﺧﺴﺎرة أو ﺿﺮر ﻧﺎﺗﺞ‬:‫ اﻟﻄﺮف اﻟﺜﺎﻟﺚ‬١٧/ ١
‫أو اﻟﺴﺎﺋﻖ اﻟﻤﺘﺴﺒﺐ‬/‫ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ ﺑﺎﺳﺘﺜﻨﺎء اﻟﻤﺆﻣﻦ ﻟﻪ و‬
.‫ﻓﻲ اﻟﺤﺎدث‬
‫ ﻛﻞ وﺳﻴﻠﺔ ﻣﻦ وﺳﺎﺋﻞ اﻟﻨﻘﻞ أﻋﺪت‬:‫ اﻟﻤﺮﻛﺒﺔ‬/ ‫ اﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ‬١٨/١
‫ اﻟﻤﻮﺿﺤﺔ‬،‫ ﺗﺴﻴﺮ أو ﺗﺠﺮ ﺑﻘﻮة آﻟﻴﺔ أو ﺣﻴﻮاﻧﻴﺔ‬،‫ﻟﻠﺴﻴﺮ ﻋﻠﻰ ﻋﺠﻼت أو ﺳﻼﺳﻞ‬
.‫ ﻻ ﺗﺸﻤﻞ اﻟﻘﻄﺎرات‬- ‫ﻣﻮاﺻﻔﺎﺗﻬﺎ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬
‫ ﻛﻞ واﻗﻌﺔ أﻟﺤﻘﺖ ﺿﺮر ﺑﻄﺮف ﺛﺎﻟﺚ ﻧﺘﻴﺠﺔ اﺳﺘﻌﻤﺎل اﻟﻤﺮﻛﺒﺔ أو‬:‫ اﻟﺤﺎدث‬١٩/١
.‫اﻧﻔﺠﺎرﻫﺎ أو اﺣﺘﺮاﻗﻬﺎ أو ﺗﻨﺎﺛﺮﻫﺎ أو ﺣﺮﻛﺘﻬﺎ أو اﻧﺪﻓﺎﻋﻬﺎ اﻟﺬاﺗﻲ أو وﻗﻮﻓﻬﺎ‬
‫ اﻟﺘﻐﻴﻴﺮ اﻟﺬي ﻳﺆدي إﻟﻰ زﻳﺎدة ﻧﺴﺒﺔ اﺣﺘﻤﺎل وﻗﻮع اﻟﺨﻄﺮ‬:‫ اﻟﺘﻐﻴﻴﺮ اﻟﺠﻮﻫﺮي‬٢٠/١
.‫أو ﻳﺆدي إﻟﻰ زﻳﺎدة ﺟﺴﺎﻣﺘﻪ‬
‫ ﻫﻮ ﺣﻖ اﻟﺸﺮﻛﺔ ﻓﻲ اﺳﺘﻴﻔﺎء ﻣﺎ دﻓﻌﺘﻪ ﻣﻦ ﺗﻌﻮﻳﺾ ﻟﻠﻄﺮف‬:‫ ﺣﻖ اﻟﺮﺟﻮع‬٢١/١
‫اﻟﺜﺎﻟﺚ ﻣﻦ اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث ﻋﻦ اﻟﻀﺮر اﻟﻨﺎﺗﺞ ﻣﻦ إﺣﺪى‬
.‫ﺣﺎﻻت اﻟﺮﺟﻮع أو اﻻﺳﺘﺜﻨﺎءات‬
‫ اﺗﻔﺎق ﺑﻴﻦ اﻟﻤﺆﻣﻦ واﻟﻤﺆﻣﻦ ﻟﻪ ﻻﺣﻖ ﻋﻠﻰ إﺻﺪار اﻟﻮﺛﻴﻘﺔ ﺑﺈﺿﺎﻓﺔ أو‬:‫ اﻟﻤﻠﺤﻖ‬٢٢/١
¯‫ وﻳﺠﺐ أن ﻳﻜﻮن ﻣﺮﻓﻘ‬،‫ﺗﻌﺪﻳﻞ أو إﻟﻐﺎء ﺗﻐﻄﻴﺎت إﻟﻰ اﻟﺘﻐﻄﻴﺎت ا®ﺳﺎﺳﻴﺔ‬
.‫ ﻻ ﻳﺘﺠﺰأ ﻣﻨﻬﺎ‬Ö‫ﺑﺎﻟﻮﺛﻴﻘﺔ وﻳﻌﺘﺒﺮ ﺟﺰء‬
‫ ﻧﻄﺎق اﻟﺘﻐﻄﻴﺔ‬- ٢
.‫ﻳﻈﻬﺮ ﺟﺪول اﻟﻮﺛﻴﻘﺔ ﻣﺴﺘﻮى وﺣﺪود اﻟﺘﻐﻄﻴﺔ اﻟﺘﻲ ﻳﺨﺘﺎرﻫﺎ اﻟﻤﺸﺘﺮك‬
‫ اﻟﻔﻘﺪ واﻟﺨﺴﺎﺋﺮ واﻻﺿﺮار اﻟﺘﻲ ﺗﻠﺤﻖ ﺑﻤﺮﻛﺒﺔ اﻟﻤﺸﺘﺮك‬١/٢
‫ ﻧﻄﺎق اﻟﺘﻐﻄﻴﺔ‬٢/١/١
‫ﻋﺪا ﻣﺎ ﻫﻮ ﻣﺴﺘﺜﻨﻰ ﻋﻠﻰ وﺟﻪ اﻟﺘﺤﺪﻳﺪ ﻓﻲ اﻟﻮﺛﻴﻘﺔ أو ﺟﺪوﻟﻬﺎ أو أي ﻣﻦ ﻣﻼﺣﻘﻬﺎ‬
‫ﻣﺮﻛﺒﺎت اﻟﻤﺸﺘﺮك اﻟﻤﺤﺪدة ﻓﻲ‬/‫اﻟﻤﻌﺘﻤﺪة ﻓﺈن ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺗﻐﻄﻲ ﻣﺮﻛﺒﺔ‬
:‫اﻟﺠﺪول ﻣﺎ ﻳﻠﺤﻘﻬﺎ ﻣﻦ أﺿﺮار اﻟﺤﻮادث اﻟﺘﻲ ﺗﻨﺸﺄ ﻋﻤﺎ ﺗﺄﺗﻲ‬
.‫ اﻟﺘﺼﺎدم أو اﻻﻧﻘﻼب اﻟﻌﺮﺿﻲ‬-١
.‫ اﻟﺤﺮﻳﻖ واﻟﺒﺮق واﻻﻧﻔﺠﺎر‬-٢
.‫ اﻟﺴﺮﻗﺔ أو ﻣﺤﺎوﻟﺔ اﻟﺴﺮﻗﺔ‬-٣
.‫ اﻟﻀﺮر اﻟﻤﺘﻌﻤﺪ ﻣﻦ اﻟﻐﻴﺮ‬-٤
.‫ اﻟﻜﻮارث اﻟﻄﺒﻴﻌﻴﺔ ﻛﺎﻟﻔﻴﻀﺎن اﻟﻤﻄﺮ اﻟﺴﻴﻞ واﻟﺒﺮد‬-٥
:‫ اﻻﺣﺘﻴﺎﻃﺎت اﻟﻤﻌﻘﻮﻟﺔ اﻟﻮاﺟﺒﺔ ﻋﻠﻰ اﻟﻤﺸﺘﺮك ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺎﻟﻤﺮﻛﺒﺔ‬٢/١/٢
‫ ﻳﻠﺘﺰم اﻟﻤﺸﺘﺮك ﺑﺎﺗﺨﺎذ ﺟﻤﻴﻊ اﻟﺘﺪاﺑﻴﺮ اﻟﻤﻌﻘﻮﻟﺔ – اﻟﻤﺘﻌﺎرف‬:‫أ( ﺣﻤﺎﻳﺔ اﻟﻤﺮﻛﺒﺔ‬
‫ﻋﻠﻴﻬﺎ – ﻟﻮﻗﺎﻳﺔ اﻟﻤﺮﻛﺒﺔ ﻣﻦ اﻟﻔﻘﺪ أو اﻟﺘﻠﻒ أو اﻟﻀﺮر وﺣﻔﻆ اﻟﻤﺮﻛﺒﺔ ﻓﻲ ﺣﺎﻟﺔ‬
.‫ﺳﻠﻴﻤﺔ وﻟﻠﺸﺮﻛﺔ اﻟﺤﻖ ﻓﻲ ﺟﻤﻴﻊ ا®وﻗﺎت ﻓﻲ ﻓﺤﺺ اﻟﻤﺮﻛﺒﺔ أو أي ﻣﻦ ﻗﻄﻌﻬﺎ‬
‫ ﻓﻲ ﺣﺎل وﻗﻮع ﺣﺎدث أو ﺿﺮر ﻟﻠﻤﺮﻛﺒﺔ ﻳﺠﺐ ﻋﺪم‬:‫ب( رﻋﺎﻳﺔ اﻟﻤﺮﻛﺒﺔ ﺑﻌﺪ اﻟﺤﺎدث‬
‫ﺗﺮﻛﻬﺎ دون ﺣﺮاﺳﺔ أو اﺗﺨﺎذ اﻟﺘﺪاﺑﻴﺮ اﻟﻼزﻣﺔ ﻟﻤﻨﻊ ﺣﺪوث اﻟﻤﺰﻳﺪ ﻣﻦ اﻟﺨﺴﺎرة أو‬
‫ﺗﻤﺖ ﻗﻴﺎدة اﻟﻤﺮﻛﺒﺔ ﻗﺒﻞ إﺟﺮاء ا«ﺻﻼﺣﺎت اﻟﻀﺮورﻳﺔ؛ ﻓﺈن أي‬ ‫ وﻓﻲ ﺣﺎل ﱠ‬،‫اﻟﻀﺮر‬
ّ
‫ أو ﺣﺪوث أي ﺿﺮر إﺿﺎﻓﻲ ﻳﺤﺼﻞ ﻟﻠﻤﺮﻛﺒﺔ ﻳﻜﻮن ﻣﺴﺘﺜﻨﻰ‬،‫ﺗﻔﺎﻗﻢ ﻟﻠﻀﺮر اﻟﺤﺎﺻﻞ‬
.‫ﻣﻦ ﻧﻄﺎق اﻟﺘﻐﻄﻴﺔ اﻟﻤﻤﻨﻮح ﺑﻬﺬه اﻟﻮﺛﻴﻘﺔ‬
Head Office: Platinum Centre,
3rd Floor, Setteen Street, Al Malaz
2.1.iii Exclusions:
This policy doesn’t cover the following:
1- Consequential loss، deprivation of use, or reduction of vehicle value after
repair of the accident’s damage.
2- Depreciation and deductible amounts stated in the schedule.
3-Tear and wear, mechanical or electrical fault.
4-Damage caused by overloading, straining, or breaching the law of carrying
more passengers than the registered seating capacity, or the vehicle not being
well repaired causing the accident.
5-Loss or damage to tires, wheels, and wheel caps. Unless the vehicle is lost or
damaged at the same time due to a covered accident.
6-DVD and CD players, radio,s cassettes, telephones, or other accessories
except for the items installed in the vehicle by the manufacturer, whose value is
included in the original price of the vehicle, unless the type and value of these
accessories are expressly stated in the policy schedule and additional
contribution was paid.
7-Loss or damage that may happen to the luggage and personal properties
whilst being loaded, unloaded, or carried inside/on the vehicle.
8-Any damage resulting from negligence of maintenance of the vehicle and
refraining from keeping all its parts in good and usable condition.
9-Any liability or expenses caused by or occurred in consequence directly or
indirectly of criminal and/or offensive acts by the participant or a driver
authorized by the participant (this exclusion shall not be applicable for liability
to third parties).
10- Any expenses or indemnities paid while the vehicle is being
driven by someone underage opted by the insured which is expressed
within the policy schedule.
11-Used in contravention of restrictions set forth in the schedule.
12-Failure on the part of the insured to notify the company in writing within
twenty working days of any material change to his disclosures in the insurance
proposal form.
13-Any liability or damages to repair the insured vehicles if the insured or
driver of the vehicle fled from the scene of the accident.
14-Loss or damage whilst the vehicle is left unattended with the key inside.
15-Any damage, loss or harm that may happen to the covered vehicle
according to this policy or to be as a result of being:
a) Used or driven by the participant or by anybody responsible for driving
the vehicle in a way contradicting the traffic system in relation with exceeding
speed limit, passing the red traffic light, or driving in the wrong direction of the
permitted flow of traffic, or driving the vehicle without medical glasses in case
this is included in the driving license.
b) The vehicle driven, or on its way to be driven or being possessed by
non-authorized person except for its participant or the authorized driver
(this exception is not applied in the case of the loss or the damage of the
vehicle resulting from robbery).
c) Used for rallying, racing, reliability trials, drifting, speed testing
and off-roading.
d) Used on faultily paved roads that are inappropriate for driving
such as sandy or desert road.
e) Being driven by anyonr under the influence of alcohol, drugs, or
medicines that may cause accidents, if the vehicle was driven
following their consumption.
f ) Used or operated as a tool of trade unless approved in writing
by the company.
g) Used in areas that are normally not allowed for the public to
drive in, such as airports or sea ports. Unless the vehicle is used for
commercial purposes to be driven within the permitted area.
Al Rajhi Co. for Cooperative Insurance
:‫ اﻻﺳﺘﺜﻨﺎءات‬٣/١/٢
:‫ﻳﺴﺘﺜﻨﻰ ﻣﻦ ﺗﻐﻄﻴﺔ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻣﺎ ﻳﺄﺗﻲ‬
‫ أو اﻧﺨﻔﺎض ﻗﻴﻤﺔ اﻟﻤﺮﻛﺒﺔ ﺑﻌﺪ‬،‫ أو اﻟﺤﺮﻣﺎن ﻣﻦ اﻻﺳﺘﻌﻤﺎل‬،‫ اﻟﺨﺴﺎرة اﻟﺘﺒﻌﻴﺔ‬-١
.‫إﺻﻼﺣﻬﺎ ﻣﻦ أﺿﺮار اﻟﺤﺎدث‬
.‫ وﻣﺒﺎﻟﻎ اﻟﺘﺤﻤﻞ اﻟﻤﺤﺪدة ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬،‫ اﻻﺳﺘﻬﻼك‬-٢
.‫ أو اﻟﻜﺴﺮ أو اﻟﻌﻄﻞ اﻟﻤﻴﻜﺎﻧﻴﻜﻲ أو اﻟﻜﻬﺮﺑﺎﺋﻲ‬،‫ واﻻﻫﺘﺮاء‬،‫ اﻟﺒﻠﻰ‬-٣
‫ أو ﺧﺮوج‬،‫ أو ا«ﻓﺮاط ﻓﻲ اﻟﺠﻬﺪ‬،‫اﻟﻀﺮر أو اﻟﺘﻠﻒ اﻟﻨﺎﺷﺊ ﻋﻦ زﻳﺎدة اﻟﺤﻤﻮﻟﺔ‬ ّ -٤
‫ ﻋﻠﻰ‬Ö‫ أو ﻋﺪم ﺗﺜﺒﻴﺘﻬﺎ ﺟﻴﺪ‬،‫اﻟﺤﻤﻮﻟﺔ ﻋﻦ ﺟﺴﻢ اﻟﻤﺮﻛﺒﺔ ﺑﺸﻜﻞ ﻳﺨﺎﻟﻒ اﻟﻨﻈﺎم‬
‫ أو ﻛﺎن ﻋﺪد رﻛﺎﺑﻬﺎ وﻗﺖ وﻗﻮع اﻟﺤﺎدث ﻳﺰﻳﺪ ﻋﻦ اﻟﻌﺪد اﻟﻤﺴﻤﻮح ﺑﻪ‬،‫اﻟﻤﺮﻛﺒﺔ‬
.‫ﻧﻈﺎﻣ¯؛ ﺑﺸﺮط أن ﺗﻜﻮن ﻫﺬه اﻟﻤﺨﺎﻟﻔﺔ ﻫﻲ أﺣﺪ أﺳﺒﺎب وﻗﻮع اﻟﺤﺎدث‬
‫ إﻻ إذا ﻓﻘﺪت أو‬،‫ ﻓﻘﺪ أو ﺗﻠﻒ أو ﺗﻀ ّﺮر ا«ﻃﺎرات أو اﻟﺪواﻟﻴﺐ أو أﻏﻄﻴﺔ اﻟﺪواﻟﻴﺐ‬-٥
.‫ﺗﻀ ّﺮرت اﻟﻤﺮﻛﺒﺔ وﻗﺖ وﻗﻮع اﻟﺤﺎدث اﻟﻤﻐﻄﻰ‬
،‫ وأﺟﻬﺰة ﺗﺸﻐﻴﻞ اﻟﺪﻳﻔﻴﺪي واﻻﺳﻄﻮاﻧﺎت واﻟﻤﺴﺠﻼت‬،‫ أﺟﻬﺰة اﻟﺮادﻳﻮ‬-٦
‫ أو اﻟﻤﻠﺤﻘﺎت ا®ﺧﺮى ﻣﻦ ا«ﻛﺴﺴﻮار أو ﻏﻴﺮﻫﺎ؛ ﺑﺎﺳﺘﺜﻨﺎء ﻣﺎ ﻫﻮ ﻣﺜﺒﺖ‬،‫واﻟﻬﻮاﺗﻒ‬
‫ إﻻ إذا‬،‫ﻼ ﺑﺎﻟﻤﺮﻛﺒﺔ ﻣﻦ اﻟﻤﺼﻨﻊ واﻟﻤﺸﻤﻮﻟﺔ ﻗﻴﻤﺘﻬﺎ ﻓﻲ ﺛﻤﻦ اﻟﻤﺮﻛﺒﺔ ا®ﺻﻠﻲ‬ ً ‫أﺻ‬
‫وﺗﻢ‬
ّ ‫ﻛﺎن ﻧﻮع وﻗﻴﻤﺔ ﻫﺬه اﻟﻤﻠﺤﻘﺎت ﻗﺪ أﻋﻠﻦ ﻋﻨﻬﺎ وﺑﺎﻟﺘﺤﺪﻳﺪ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬
.‫دﻓﻊ أﻗﺴﺎط إﺿﺎﻓﻴﺔ ﻋﻨﻬﺎ‬
‫ اﻟﺨﺴﺎرة أو اﻟﻀﺮر اﻟﺬي ﻳﻘﻊ ﻋﻠﻰ ا®ﻣﺘﻌﺔ واﻟﻤﻤﺘﻠﻜﺎت اﻟﺸﺨﺼﻴﺔ أﺛﻨﺎء‬-٧
.‫ﺗﺤﻤﻴﻠﻬﺎ أو ﺗﻔﺮﻳﻐﻬﺎ أو ﺷﺤﻨﻬﺎ داﺧﻞ أو ﻋﻠﻰ اﻟﻤﺮﻛﺒﺔ‬
‫ وﻋﺪم اﻟﻤﺤﺎﻓﻈﺔ ﻋﻠﻰ أﺟﺰاﺋﻬﺎ ﺑﺤﺎﻟﺔ‬،‫ أي ﺿﺮر ﻳﻨﺘﺞ ﻋﻦ إﻫﻤﺎل ﺻﻴﺎﻧﺔ اﻟﻤﺮﻛﺒﺔ‬-٨
.‫ﺟﻴﺪة وﺻﺎﻟﺤﺔ ﻟﻼﺳﺘﺨﺪام‬
‫ أي اﻟﺘﺰام ﺑﺎﻟﺘﻌﻮﻳﺾ أو ﻣﺼﺮوﻓﺎت أو أي ﻣﺒﺎﻟﻎ ﻣﺎﻟﻴﺔ واﺟﺒﺔ اﻟﺪﻓﻊ ﻧﻈﺎﻣ¯ ﻧﺘﺠﺖ‬-٩
‫ﻋﻦ أو ﺣﺪﺛﺖ ﺑﺸﻜﻞ ﻣﺒﺎﺷﺮ أو ﻏﻴﺮ ﻣﺒﺎﺷﺮ ﻧﺘﻴﺠﺔ أﻓﻌﺎل ﺟﻨﺎﺋﻴﺔ أو ﻋﺪواﻧﻴﺔ‬
‫ارﺗﻜﺒﻬﺎ اﻟﻤﺸﺘﺮك أو اﻟﺴﺎﺋﻖ اﻟﻤﺼﺮح ﻟﻪ ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك )ﻋﻠﻤ¯ ﺑﺄن ﻫﺬا‬
.(‫اﻻﺳﺘﺜﻨﺎء ﻟﻦ ﻳﺴﺮي ﻋﻠﻰ اﻻﻟﺘﺰام ﺗﺠﺎه اﻟﻄﺮف اﻟﺜﺎﻟﺚ‬
‫ أي اﻟﺘﺰام ﺑﺎﻟﺘﻌﻮﻳﺾ أو ﻣﺼﺮوﻓﺎت أو أي ﻣﺒﺎﻟﻎ ﻣﺎﻟﻴﺔ واﺟﺒﺔ اﻟﺪﻓﻊ ﻧﻈﺎﻣ¯ ﻧﺘﺠﺖ‬-١٠
‫ﻋﻦ أو ﺣﺪﺛﺖ ﻧﺘﻴﺠﺔ اﺳﺘﻌﻤﺎل اﻟﻤﺮﻛﺒﺔ أو ﻗﻴﺎدﺗﻬﺎ ﺑﻮاﺳﻄﺔ أي ﺷﺨﺺ ﻳﺨﺎﻟﻒ‬
.‫اﻟﺴﻦ اﻟﻤﺴﻤﻮح ﺑﻪ اﻟﻤﺬﻛﻮر ﺻﺮاﺣﺔ ﺑﺠﺪول اﻟﻮﺛﻴﻘﺔ‬ّ
.‫ﻧﺤﻮ ﻳﺨﺎﻟﻒ اﻟﻘﻴﻮد اﻟﻤﺤﺪدة ﻓﻲ اﻟﺠﺪول‬ ٍ ‫ ﻣﺎ ﻳﻨﺘﺞ ﻋﻦ اﺳﺘﺨﺪام اﻟﻤﺮﻛﺒﺔ ﻋﻠﻰ‬-١١
‫ ﻋﺪم إﺑﻼغ اﻟﻤﺆﻣﻦ ﻟﻪ اﻟﺸﺮﻛﺔ ﻛﺘﺎﺑﻴ¯ ﺧﻼل ﻋﺸﺮون ﻳﻮم ﻋﻤﻞ ﻋﻦ أي ﺗﻐﻴﻴﺮ‬-١٢
.‫ﺟﻮﻫﺮي ﻓﻲ ﺑﻴﺎﻧﺎﺗﻪ اﻟﻤﺤﺪدة ﻓﻲ ﻧﻤﻮذج ﻋﺮض اﻟﺘﺄﻣﻴﻦ‬
‫ أي أﺿﺮار ﺗﻠﺤﻖ ﺑﺎﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻨﺔ ﻓﻲ ﺣﺎل ﻫﺮوب اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ أو‬-١٣
.‫ﺳﺎﺋﻖ اﻟﻤﺮﻛﺒﺔ اﻟﻤﺼ ﱠﺮح ﻟﻪ ﻣﻦ ﻗﺒﻠﻪ ﻣﻦ ﻣﻮﻗﻊ اﻟﺤﺎدث‬
‫ أي ﺧﺴﺎرة أو ﺿﺮر ﻳﻠﺤﻖ ﺑﺎﻟﻤﺮﻛﺒﺔ ﻧﺘﻴﺠﺔ ﺗﺮﻛﻬﺎ ﻋﻠﻰ وﺿﻊ اﻟﺘﺸﻐﻴﻞ أو ﺗﺮك‬-١٤
.‫اﻟﻤﻔﺘﺎح ﺑﺪاﺧﻠﻬﺎ دون رﻗﺎﺑﺔ أو ﺣﻤﺎﻳﺔ ﻣﻦ ﻗﺒﻞ أي ﺷﺨﺺ‬
:‫ أي ﻓﻘﺪ أو ﺗﻠﻒ أو أﺿﺮار ﺗﺤﺼﻞ ﻟﻠﻤﺮﻛﺒﺔ اﻟﻤﻐﻄﺎة ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻧﺘﻴﺠﺔ‬-١٥
‫ أو أي ﺷﺨﺺ آﺧﺮ ﻳﺘﻮﻟﻰ ﻗﻴﺎدة‬،‫أ( اﺳﺘﺨﺪام أو ﻗﻴﺎدة اﻟﻤﺮﻛﺒﺔ ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك‬
‫ﻧﺤﻮ ﻳﺨﺎﻟﻒ ﻧﻈﺎم اﻟﻤﺮور وﻓﻘ¯ ﻟﻤﺎ ﺣﺪد ﻓﻴﻪ ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺎﻟﺴﺮﻋﺔ‬ ٍ ‫اﻟﻤﺮﻛﺒﺔ ﻋﻠﻰ‬
‫ أو ﻗﻴﺎدة‬،‫ أو ﺗﺠﺎوز ا«ﺷﺎرة اﻟﺤﻤﺮاء‬،¯‫اﻟﺰاﺋﺪة ﻋﻦ اﻟﺤﺪ ا®ﻗﺼﻰ اﻟﻤﺴﻤﻮح ﺑﻪ ﻧﻈﺎﻣ‬
‫ أو ﻗﻴﺎدة اﻟﻤﺮﻛﺒﺔ دون ﻧﻈﺎرة ﻃﺒﻴﺔ ﻓﻲ ﺣﺎل وﺟﻮد‬،‫اﻟﻤﺮﻛﺒﺔ ﻋﻜﺲ اﺗﺠﺎه اﻟﺴﻴﺮ‬
.‫ﺷﺮط ﺑﺬﻟﻚ ﻓﻲ رﺧﺼﺔ اﻟﻘﻴﺎدة‬
‫ب( ﻗﻴﺎدة أو اﺳﺘﻌﻤﺎل اﻟﻤﺮﻛﺒﺔ ﻣﻦ ﻗﺒﻞ ﺷﺨﺺ ﻏﻴﺮ ﻣﺼﺮح ﻟﻪ ﺑﺎﺳﺘﺜﻨﺎء‬
‫ ﻋﻠﻤ¯ ﺑﺄن ﻫﺬا اﻻﺳﺘﺜﻨﺎء ﻻ ﻳﺴﺮي ﻓﻲ ﺣﺎﻟﺔ‬.‫اﻟﻤﺸﺘﺮك أو اﻟﺴﺎﺋﻖ اﻟﻤﻌﺘﻤﺪ‬
.‫اﻟﺴﻄﻮ‬
ّ ‫اﻟﺨﺴﺎرة أو اﻟﻀﺮر اﻟﺬي ﻳﺤﺪث ﻟﻠﻤﺮﻛﺒﺔ ﻧﺘﻴﺠﺔ ﻟﻠﺴﺮﻗﺔ أو‬
‫ج( اﺳﺘﺨﺪام اﻟﻤﺮﻛﺒﺔ ﻓﻲ أي ﻧﻮع ﻣﻦ اﻧﻮاع اﻟﺴﺒﺎﻗﺎت أو ﻓﻲ ﺗﺤﺪﻳﺪ ﺳﺮﻋﺔ‬
.‫اﻻﻧﻄﻼق أو ﻓﻲ ﺗﺠﺮﺑﺔ اﺧﺘﺒﺎر اﻟﻘﺪرة أو اﻟﺴﺮﻋﺔ أو اﻟﺘﻔﺤﻴﻂ أو اﻟﺘﻄﻌﻴﺲ‬
‫د( اﺳﺘﺨﺪام اﻟﻤﺮﻛﺒﺔ ﻓﻲ ﻃﺮق ﻏﻴﺮ ﻣﻤﻬﺪة ﻟﻠﻘﻴﺎدة ﻣﺜﻞ اﻟﻄﺮﻳﻖ اﻟﺮﻣﻠﻴﺔ‬
.‫واﻟﺼﺤﺮاوﻳﺔ أو ﻣﺎ ﺷﺎﺑﻬﻬﺎ‬
‫ﻫـ( ﻗﻴﺎدة اﻟﻤﺮﻛﺒﺔ ﻣﻦ ﻗﺒﻞ أي ﺷﺨﺺ ﺗﺤﺖ ﺗﺄﺛﻴﺮ اﻟﻤﺴﻜﺮات أو اﻟﻤﺨﺪرات أو‬
‫اﻟﻌﻘﺎﻗﻴﺮ اﻟﺘﻲ ﻳﻤﻜﻦ أن ﺗﺘﺴﺒﺐ ﻓﻲ ﺣﻮادث إذا ﺗﻤﺖ ﻗﻴﺎدة اﻟﻤﺮﻛﺒﺔ ﺑﻌﺪ‬
.‫ﺗﻌﺎﻃﻴﻬﺎ‬
‫و( اﺳﺘﺨﺪام أو ﺗﺸﻐﻴﻞ اﻟﻤﺮﻛﺒﺔ ﻛﺄداة ﻟﻠﺘﺠﺎرة ﻣﺎ ﻟﻢ ﻳﺘﻢ اﻟﺤﺼﻮل ﻋﻠﻰ ﻣﻮاﻓﻘﺔ‬
.‫ﺧﻄﻴﺔ ﻣﺴﺒﻘﺔ ﻣﻦ اﻟﺸﺮﻛﺔ‬
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
 i) Pulled from its wheels on the road by cranes or any other craning
vehicle, unless the main reason for craning or pulling is because of
an accident covered in this policy.
j) Acknowledgement from the insured or the driver to bear the
liability for the accident undeservedly for the purpose of harming
the company.
k) Car Drifting.
16- Any accident or damage occurring to the vehicle:
a) While at maintenance garages, the cleaning center, or anything
similar. The insured has the right to claim the one who caused the
damages.
b) Due to mechanical, electrical, electronic failure, or breakdown
unless the loss/damage is caused by a covered accident.
c) Resulting in the fall of some parts of the vehicle.
17- Any liability of expenses occasioned by happening or in
consequence directly or indirectly of:
a) Wars, invasions, actions of foreign enemies, hostile acts whether
war is declared or not, civil war, rebellion, revolution, disobedience,
strife, armed forces, usurped power, and vandalism.
b) The nuclear weapons and its components besides substances
emitted from it, ionizing radiations, or contamination by
radioactivity from any nuclear fuel or from any nuclear waste
caused by the combustion of nuclear fuel for the purpose of this
exclusion, combustion shall include self-sustaining process of
nuclear fission.
c) Disturbances, riots, civil rebellions, civil disturbances, terrorist
acts, vandalism, (including vandalism resulting from anyone having a
relation with terrorist organizations or using terrorism to modify
the legitimate or illegitimate authorities), and the like.
d) Confiscation/hijacking for armed purposes, hijacking, destruction
or damaging a building based on an order from the legitimate or
actual government, or any public authority, either local, or municipal.
e) Loss or damage to the vehicle as a result of theft or attempted
theft due to leaving the motor vehicle in operating mode, leaving
the ignition key therein, or non-closing of the doors.
2.1.iv Claims Settlement
Settlement Options by the Company:
a) The Company, being the manager of the participant’s fund, has
the choice to pay the value of damage, to fix, or replace the vehicle, or
any of its parts, attachments, or its spare parts. The maximum amount
payable in respect of partial loss shall be equal to the labor cost and
the value of the spare parts after deducting the amount of
depreciation if any.
b) Total Loss Cases: The insured vehicle will be considered a total
loss when it is technically not repairable, or when the cost of repair is
higher than 50% of the insured value and higher than the difference
between the market value before the accident and the salvage value.
When the total loss claim is payable, the following will be:
1-The maximum amount payable in respect of total loss shall be
limited to the declared value minus depreciated value or the
reasonable market value at the time of occurrence, whichever is
lower.
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017
‫ز( اﺳﺘﻌﻤﺎل اﻟﻤﺮﻛﺒﺔ ﺿﻤﻦ اﻟﻤﻨﺎﻃﻖ اﻟﺘﻲ ﻻ ﻳﺴﻤﺢ ﻋﺎدة ﻟﻠﻌﺎﻣﺔ ﺑﺪﺧﻮﻟﻬﺎ ﻣﺜﻞ‬
‫اﻟﻤﻄﺎرات أو اﻟﻤﻮاﻧﺊ اﻟﺒﺤﺮﻳﺔ ﻣﺎﻟﻢ ﺗﻜﻦ اﻟﻤﺮﻛﺒﺔ ﻣﺴﺘﺨﺪﻣﺔ ®ﻏﺮاض ﺗﺠﺎرﻳﺔ ﻓﻲ‬
.‫اﻟﻨﻄﺎق اﻟﻤﺴﻤﻮح ﺑﻪ‬
‫ح( ﺳﺤﺐ اﻟﻤﺮﻛﺒﺔ ﻋﻠﻰ ﻋﺠﻼﺗﻬﺎ ﻋﻠﻰ اﻟﻄﺮﻳﻖ ﺑﻮاﺳﻄﺔ ﻣﺮﻛﺒﺎت ﺳﺤﺐ‬
‫اﻟﺴﻴﺎرات أو أي ﻣﺮﻛﺒﺔ ﺳﺤﺐ أﺧﺮى ﻣﺎ ﻟﻢ ﻳﻜﻦ اﻟﺴﺒﺐ اﻟﺮﺋﻴﺴﻲ‬
.‫ﻟﻠﻘﻄﺮ ﻫﻮ وﻗﻮع ﺣﺎدث ﻣﻐﻄﻰ ﺑﻤﻮﺟﺐ اﻟﻮﺛﻴﻘﺔ‬/‫ﻟﻠﺴﺤﺐ‬
‫ط( إﻗﺮار اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ ﺑﺘﺤﻤﻞ ﻣﺴﺌﻮﻟﻴﺔ اﻟﺤﺎدث دون وﺟﻪ ﺣﻖ ﺑﻘﺼﺪ‬
.‫ا«ﺿﺮار ﺑﺎﻟﺸﺮﻛﺔ‬
.‫ي( اﻟﺘﻔﺤﻴﻂ‬
:‫ أي ﺣﺎدث أو ﺗﻠﻒ أو ﺿﺮر ﻳﻠﺤﻖ ﺑﺎﻟﻤﺮﻛﺒﺔ‬-١٦
‫أ( اﺛﻨﺎء وﺟﻮدﻫﺎ ﻓﻲ اﻟﻮرﺷﺔ أو ﻛﺮاج اﻟﺼﻴﺎﻧﺔ أو اﻟﺘﻨﻈﻴﻒ أو اﻟﺘﺼﻠﻴﺢ أو ﻣﺎ ﺷﺎﺑﻪ‬
.‫ اﻟﺮﺟﻮع ﻋﻠﻰ اﻟﻤﺘﺴﺒﺐ ﺑﺎﻟﻀﺮر‬- ‫ ﻣﺎﻟﻚ اﻟﻤﺮﻛﺒﺔ‬- ‫ذﻟﻚ وﻳﺤﻖ ﻟﻠﻤﺸﺘﺮك‬
‫ب( ﻧﺘﻴﺠﺔ ﺧﻠﻞ أو ﻋﻄﻞ ﻣﻴﻜﺎﻧﻴﻜﻲ أو ﻛﻬﺮﺑﺎﺋﻲ أو اﻟﻜﺘﺮوﻧﻲ ﻣﺎ ﻟﻢ ﺗﻜﻦ‬
.‫اﻟﺨﺴﺎرة أو اﻟﻀﺮر ﻧﺎﺗﺠ¯ ﻋﻦ ﺣﺎدث ﻣﻐﻄﻰ ﺑﻤﻮﺟﺐ اﻟﻮﺛﻴﻘﺔ‬
.‫ج( ﻧﺘﻴﺠﺔ ﺳﻘﻮط ﺑﻌﺾ أﺟﺰاء اﻟﻤﺮﻛﺒﺔ‬
‫ أي اﻟﺘﺰام ﻋﻠﻰ اﻟﺸﺮﻛﺔ ﺑﺪﻓﻊ ﺗﻌﻮﻳﺾ أو ﻧﻔﻘﺎت ﺗﻨﺘﺞ ﻋﻦ أو ﺣﺪﺛﺖ ﺑﺸﻜﻞ‬-١٧
:‫ﻣﺒﺎﺷﺮ أو ﻏﻴﺮ ﻣﺒﺎﺷﺮ ﻣﻦ ﺧﻼل أو ﻋﻦ‬
‫ ا®ﻋﻤﺎل اﻟﻌﺪاﺋﻴﺔ ﺷﺒﻪ اﻟﺤﺮﺑﻴﺔ ﺳﻮاء ﻛﺎﻧﺖ‬،‫ اﻟﻌﺪوان ا®ﺟﻨﺒﻲ‬،‫ اﻟﻐﺰو‬،‫أ( اﻟﺤﺮوب‬
‫ اﻟﻘﻮة‬،‫ ا«ﺿﺮاب‬،‫ اﻟﻌﺼﻴﺎن‬،‫ اﻟﺜﻮرة‬،‫ اﻟﺘﻤﺮد‬،‫ اﻟﺤﺮب اﻻﻫﻠﻴﺔ‬،‫اﻟﺤﺮب ﻣﻌﻠﻨﺔ أم ﻻ‬
.‫ اﻟﻘﻮة اﻟﻐﺎﺷﻤﺔ واﻟﺘﺨﺮﻳﺐ‬،‫اﻟﻤﺴﻠﺤﺔ‬
‫ب( ا®ﺳﻠﺤﺔ اﻟﻨﻮوﻳﺔ وﻣﻜﻮﻧﺎﺗﻬﺎ واﻟﻤﻮاد اﻟﻤﻨﺒﻌﺜﺔ ﻣﻨﻬﺎ وا«ﺷﻌﺎﻋﺎت ا®ﻳﻮﻧﻴﺔ أو‬
‫اﻟﺘﻠﻮث اﻟﻨﺎﺗﺞ ﻋﻦ ﻧﺸﺎط إﺷﻌﺎﻋﻲ ﻣﻦ أي وﻗﻮد ﻧﻮوي أو ﻣﻦ أي ﻧﻔﺎﻳﺎت ﻧﻮوﻳﺔ‬
‫ﻧﺎﺟﻤﺔ ﻋﻦ اﺣﺘﺮاق اﻟﻮﻗﻮد اﻟﻨﻮوي و®ﻏﺮاض ﻫﺬا اﻻﺳﺘﺜﻨﺎء ﻳﺸﻤﻞ اﻻﺣﺘﺮاق‬
.‫ﻋﻤﻠﻴﺔ اﻻﻧﺸﻄﺎر اﻟﻨﻮوي اﻟﺬاﺗﻲ‬
‫ أﻋﻤﺎل اﻻرﻫﺎب‬،‫ اﻻﺿﻄﺮاﺑﺎت ا®ﻫﻠﻴﺔ‬،‫ اﻟﻌﺼﻴﺎن اﻟﻤﺪﻧﻲ‬،‫ اﻟﺸﻐﺐ‬،‫ج( اﻻﺿﻄﺮاﺑﺎت‬
‫أو اﻟﺘﺨﺮﻳﺐ ﺑﻤﺎ ﻓﻲ ذﻟﻚ اﻟﺘﺨﺮﻳﺐ اﻟﻨﺎﺟﻢ ﻋﻦ أي ﺷﺨﺺ ﻟﻪ ﻋﻼﻗﺔ ﺑﺎﻟﻤﻨﻈﻤﺎت‬
‫اﻻرﻫﺎﺑﻴﺔ او ﺑﺎﺳﺘﺨﺪام اﻻرﻫﺎب واﻟﻌﻨﻒ ﻟﺘﻐﻴﻴﺮ اﻟﺴﻠﻄﺔ اﻟﺸﺮﻋﻴﺔ او ﻏﻴﺮ‬
.‫اﻟﺸﺮﻋﻴﺔ وﻣﺎ ﺷﺎﺑﻪ ذﻟﻚ‬
‫د( اﻟﻤﺼﺎدرة او اﻻﺳﺘﻴﻼء ®ﻏﺮاض ﻋﺴﻜﺮﻳﺔ او ﺗﺪﻣﻴﺮ او اﻻﺿﺮار ﺑﻤﺒﻨﻰ ﺑﻤﻮﺟﺐ‬
‫أﻣﺮ ﻣﻦ اﻟﺤﻜﻮﻣﺔ اﻟﺸﺮﻋﻴﺔ أو اﻟﻔﻌﻠﻴﺔ أو أي ﺳﻠﻄﺔ ﻋﺎﻣﺔ ﺳﻮاء ﻛﺎﻧﺖ ﻣﺤﻠﻴﺔ أو‬
.‫ﺑﻠﺪﻳﺔ‬
‫ﻫـ( اﻟﺘﻠﻒ أو اﻟﻀﺮر اﻟﺬي ﻳﻠﺤﻖ ﺑﺎﻟﻤﺮﻛﺒﺔ ﻧﺘﻴﺠﺔ اﻟﺴﺮﻗﺔ أو ﻣﺤﺎوﻟﺔ اﻟﺴﺮﻗﺔ‬
‫ﺑﺴﺒﺐ ﺗﺮك اﻟﻤﺮﻛﺒﺔ ﻓﻲ ﻣﻮﺿﻊ اﻟﺘﺸﻐﻴﻞ أو ﺗﺮك ﻣﻔﺎﺗﻴﺢ اﻟﺘﺸﻐﻴﻞ ﻓﻲ‬
.‫اﻟﻤﺮﻛﺒﺔ أو ﺗﺮك اﻻﺑﻮاب ﻣﻔﺘﻮﺣﺔ‬
‫ ﺗﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت‬٤/١/٢
:‫ﺧﻴﺎرات ﺗﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت‬
‫ ﻓﻲ دﻓﻊ ﻗﻴﻤﺔ‬- ‫ ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬- ّ‫أ( ﻟﻠﺸﺮﻛﺔ اﻟﺤﻖ‬
‫أي ﺟﺰء ﻣﻨﻬﺎ أو ﻣﻠﺤﻘﺎﺗﻬﺎ أو‬
ّ ‫ أو‬،‫ أو ﺑﺈﺻﻼح أو اﺳﺘﺒﺪال اﻟﻤﺮﻛﺒﺔ‬Ö‫اﻟﺘﻠﻒ ﻧﻘﺪ‬
‫ﻗﻄﻊ ﻏﻴﺎرﻫﺎ ﺑﺤﻴﺚ ﻳﻌﺎدل اﻟﺤﺪ ا®ﻗﺼﻰ ﻟﻠﻘﻴﻤﺔ ﻓﻲ ﺣﺎﻟﺔ اﻟﺨﺴﺎرة اﻟﺠﺰﺋﻴﺔ‬
.‫ إن وﺟﺪ‬- ‫ﻗﻴﻤﺔ أﺟﺮة اﻟﻴﺪ اﻟﻌﺎﻣﻠﺔ وﻗﻴﻤﺔ ﻗﻄﻊ اﻟﻐﻴﺎر ﺑﻌﺪ ﺧﺼﻢ اﻻﺳﺘﻬﻼك‬
‫ ﺗُﻌﺪ اﻟﻤﺮﻛﺒﺔ ﺧﺴﺎرة ﻛﻠﻴﺔ ﻓﻲ ﺣﺎل ﻛﺎﻧﺖ ﻏﻴﺮ‬:‫ب( ﺣﺎﻻت اﻟﺨﺴﺎرة اﻟﻜﻠﻴﺔ‬
‫ ﻣﻦ ﻣﺒﻠﻎ اﻟﺘﻐﻄﻴﺔ‬٪٥٠ ‫ أو ﻛﺎﻧﺖ ﻣﺒﺎﻟﻎ ا«ﺻﻼح ﺗﺘﺠﺎوز‬،¯‫ﺻﻼح ﻓﻨﻴ‬è‫ﻗﺎﺑﻠﺔ ﻟ‬
‫اﻟﺘﺄﻣﻴﻨﻴﺔ ﻟﻠﻤﺮﻛﺒﺔ وأن ﻳﺘﺠﺎوز ﻣﺒﻠﻎ ا«ﺻﻼح اﻟﻔﺮق ﺑﻴﻦ اﻟﻘﻴﻤﺔ اﻟﺴﻮﻗﻴﺔ‬
.‫ﻟﻠﻤﺮﻛﺒﺔ وﻗﻴﻤﺔ اﻟﺘﺼﻠﻴﺢ‬
:‫ﻓﻲ ﺣﺎل ﻛﺎﻧﺖ ﻣﻄﺎﻟﺒﺔ اﻟﺨﺴﺎرة اﻟﻜﻠﻴﺔ ﻣﺪﻓﻮﻋﺔ ﻳﺘﺮﺗﺐ ﻣﺎ ﻳﺄﺗﻲ‬
‫ ﻳﻜﻮن اﻟﺤﺪ ا®ﻗﺼﻰ ﻟﻠﻘﻴﻤﺔ اﻟﻤﺪﻓﻮﻋﺔ ﻓﻲ ﺣﺎﻟﺔ اﻟﺨﺴﺎرة اﻟﻜﻠﻴﺔ ﻓﻲ ﺣﺪود‬-١
‫ أو اﻟﻘﻴﻤﺔ اﻟﺴﻮﻗﻴﺔ‬،‫اﻟﻤﺼﺮح ﺑﻬﺎ ﻣﺨﺼﻮﻣ¯ ﻣﻨﻬﺎ ﻧﺴﺒﺔ اﻻﺳﺘﻬﻼك‬ ‫ﱠ‬ ‫اﻟﻘﻴﻤﺔ‬
.‫اﻟﻤﻌﻘﻮﻟﺔ وﻗﺖ وﻗﻮع اﻟﺤﺎدث؛ أﻳﻬﻤﺎ أﻗﻞ‬
Head Office: Platinum Centre,
3rd Floor, Setteen Street, Al Malaz
2- Upon full settlement, the vehicle coverage shall become concluded.
3- The annual contribution in respect of such motor vehicle shall be
fully earned to the participants’ fund.
4- The participant shall transfer the ownership of the said motor
vehicle to the company as the manager of the participants’ fund or its
assignees. The company shall bear the cost for ownership transfer.
c) Partial Loss Cases: In case of partial loss, if such parts or
accessories are unobtainable in the local market, or outdated, the
indemnification for the said parts or accessories shall not be in excess
of either the manufacturer’s latest price list or the quoted price. In
case of replacement of tires, rim and wheel cap, the depreciation
deduction shall be 50% per each year or part thereof.
d) Repair Authorization: This policy won’t cover any sum the
participant may ask to repair the vehicle, unless:
First Case: For protection, the insured may make the necessary
repairs according to this policy for the damaged vehicle, to enable the
vehicle to run with self-power, and this requires:
1- The maximum coverage limit shall not exceed the total sum
declared in the policy schedule.
2-The accident should be in a place where it is necessary to fix the
damage before it increases.
3- It must be proved to the company that the repairs are necessary.
Second Case: Necessary repairs decided by the company, without
exceeding the coverage amount mentioned in the policy schedule, and
obtain the the company approval. (For example, if there aren't any
mechanics connected to the company within the participant's
residency area).
1- The claim indemnity will be settled for the repair authorization as
the company:
- To approve the spare parts paid vouchers and not the quotations.
- To approve the labor paid vouchers and not the quotations.
- To choose whatever is lower between the paid vouchers and the
repair approved amount authorized.
2- Pictures of the vehicles after being repaired to be delivered to the
company.
3- The company has the right to assign a loss estimator to assure the
repair cost’s accuracy.
2.1.v Depreciation and Deductible:
2.1.v.i Depreciation Percentage:
In case of loss or damage to the insured’s motor vehicle, and as per
the policy, the following deductions for depreciation shall be applied:
a) In Case of Partial Loss
i. If the lost or damaged spare parts are replaced with new ones or
a new replacement value is to be paid, the company shall apply
depreciation as follows:
ii. In case of replacement of tires, rims and/or wheel caps, the
depreciation deduction shall be 50%.
iii. Nil depreciation for wind screen, rear screen, back glass and
door screens.
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017
.‫ ﺗﺼﺒﺢ وﺛﻴﻘﺔ ﺗﻐﻄﻴﺔ اﻟﻤﺮﻛﺒﺔ ﻣﻨﺘﻬﻴﺔ‬،‫ ﺑﻌﺪ اﻟﺘﺴﻮﻳﺔ اﻟﻜﺎﻣﻠﺔ ﻟﻠﻤﻄﺎﻟﺒﺔ‬-٢
‫اﻟﺴﻨﻮي اﻟﺨﺎص ﺑﺘﻠﻚ اﻟﻤﺮﻛﺒﺔ ﻣﺴﺘﺤﻘ¯ ﺑﻜﺎﻣﻠﻪ‬ ّ ‫ ﻳﻜﻮن ﻣﺒﻠﻎ اﻻﺷﺘﺮاك‬-٣
.‫ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬
‫ ﻳﻠﺘﺰم اﻟﻤﺸﺘﺮك ﺑﻨﻘﻞ ﻣﻠﻜﻴﺔ اﻟﻤﺮﻛﺒﺔ إﻟﻰ اﻟﺸﺮﻛﺔ ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق‬-٤
‫ ﻋﻠﻰ أن ﺗُﺤﻤﻞ ﺗﻜﻠﻔﺔ ﻧﻘﻞ اﻟﻤﻠﻜﻴﺔ ﻋﻠﻰ ﺻﻨﺪوق‬،‫اﻟﻤﺸﺘﺮﻛﻴﻦ أو ﻣﻦ ﻳﻨﻮب ﻋﻨﻬﺎ‬
.‫اﻟﻤﺸﺘﺮﻛﻴﻦ‬
‫ ﻓﻲ ﺣﺎل اﻟﺨﺴﺎرة اﻟﺠﺰﺋﻴﺔ؛ إذا ﺗﺒ ّﻴﻦ أن اﻟﻘﻄﻊ أو‬:‫ج( ﺣﺎﻻت اﻟﺨﺴﺎرة اﻟﺠﺰﺋﻴﺔ‬
‫ أو أﻧﻬﺎ ﻏﻴﺮ‬،‫ﺻﻼح ﻻ ﻳﻤﻜﻦ اﻟﺤﺼﻮل ﻋﻠﻴﻬﺎ ﻓﻲ اﻟﺴﻮق اﻟﻤﺤﻠﻴﺔ‬è‫اﻟﻤﻠﺤﻘﺎت اﻟﻼزﻣﺔ ﻟ‬
‫ ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﻗﺪم ﻃﺮازﻫﺎ أو ﻋﺪم اﺳﺘﻤﺮار اﺳﺘﻴﺮادﻫﺎ؛ ﻓﺈن‬- ‫ﻣﺘﻮﻓﺮة ®ي ﺳﺒﺐ‬
‫اﻟﺘﻐﻄﻴﺔ ﻋﻦ ﺗﻠﻚ اﻟﻘﻄﻊ أو اﻟﻤﻠﺤﻘﺎت اﻟﻤﺬﻛﻮرة ﻟﻦ ﺗﺘﺠﺎوز أﺣﺪث ﻗﺎﺋﻤﺔ أﺳﻌﺎر‬
‫ وﻓﻲ ﺣﺎل اﺳﺘﺒﺪال ا«ﻃﺎرات أو اﻟﺪواﻟﻴﺐ أو‬.‫ﻟﻠﻤﺼﻨﻊ أو اﻟﺴﻌﺮ اﻟﻤﺤﺪد ﻓﻲ اﻟﻌﺮض‬
‫ أو دﻓﻊ ﻗﻴﻤﺔ اﺳﺘﺒﺪاﻟﻬﺎ ﺑﺠﺪﻳﺪة؛ ﻓﺈﻧﻪ ﻳﺤﻖ‬،‫أﻏﻄﻴﺔ اﻟﺪواﻟﻴﺐ ﺑﺄﺧﺮى ﺟﺪﻳﺪة‬
.‫ ﻋﻦ اﻟﺴﻨﺔ أو ﺟﺰء ﻣﻨﻬﺎ‬٪٥٠ ‫ﻟﻠﺸﺮﻛﺔ ﺗﻄﺒﻴﻖ ﺣﺴﻢ ﻣﻘﺎﺑﻞ اﻻﺳﺘﻬﻼك ﺑﻨﺴﺒﺔ‬
‫ ﻟﻦ ﺗﻐﻄﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ أي ﻣﺒﻠﻎ ﻳﻄﺎﻟﺐ ﺑﻪ اﻟﻤﺸﺘﺮك ﻋﻦ‬:‫د( ﺗﻔﻮﻳﺾ ا«ﺻﻼح‬
:‫ﺗﻴﺔ‬Ï‫إﺻﻼح أي ﻣﺮﻛﺒﺔ إﻻ ﻓﻲ ا®ﺣﺎﻻت ا‬
‫ ﻋﻠﻰ اﻟﻤﺸﺘﺮك أن ﻳﻘﻮم ﺑﺎ«ﺻﻼﺣﺎت‬،‫ ®ﻏﺮاض إﺟﺮاءات اﻟﺤﻤﺎﻳﺔ‬:‫اﻟﺤﺎﻟﺔ ا®وﻟﻰ‬
‫اﻟﻀﺮورﻳﺔ اﻟﻤﺴﺘﻌﺠﻠﺔ ﻟﻠﻀﺮر اﻟﻤﻐﻄﻰ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ دون اﻟﺤﺎﺟﺔ ®ﺧﺬ‬
،‫اﻟﻤﻮاﻓﻘﺔ اﻟﻤﺴﺒﻘﺔ ﻣﻦ اﻟﺸﺮﻛﺔ ﻟﺘﻤﻜﻴﻦ اﻟﻤﺮﻛﺒﺔ ﻣﻦ اﻟﺴﻴﺮ ﺑﻘﻮﺗﻬﺎ اﻟﺬاﺗﻴﺔ‬
:‫وذﻟﻚ ﺑﺸﺮط‬
.‫ أﻻ ﺗﺰﻳﺪ ﻛﻠﻔﺔ ﻫﺬه اﻟﺘﺼﻠﻴﺤﺎت ﻋﻦ ﻣﺒﻠﻎ اﻟﺘﻐﻄﻴﺔ اﻟﻤﺤﺪد ﻓﻲ اﻟﺠﺪول اﻟﻤﺮﻓﻖ‬-١
‫ أن ﻳﻜﻮن اﻟﺤﺎدث ﻗﺪ وﻗﻊ ﻓﻲ ﻣﻜﺎن ﺑﺤﻴﺚ ﻳﺰداد اﻟﻀﺮر إذا ﺗﺄﺧﺮت ا«ﺻﻼﺣﺎت‬-٢
.‫ﻟﺤﻴﻦ اﻟﺤﺼﻮل ﻋﻠﻰ ﻣﻮاﻓﻘﺔ اﻟﺸﺮﻛﺔ‬
‫ وأن‬،‫ ﻳﺠﺐ ﻓﻲ ﻛﻞ ﺣﺎل أن ﻳﺜﺒﺖ اﻟﻤﺸﺘﺮك ﻟﻠﺸﺮﻛﺔ أن ا«ﺻﻼﺣﺎت ﻛﺎﻧﺖ ﺿﺮورﻳﺔ‬-٣
.‫ﻗﻴﻤﺘﻬﺎ ﻣﻌﻘﻮﻟﺔ‬
‫ ﺑﺸﺮط أﻻ ﺗﺘﺠﺎوز ﺣﺪود‬،‫ﺗﻘﺪرﻫﺎ اﻟﺸﺮﻛﺔ‬
ّ ‫ اﻟﺤﺎﻻت اﻟﻀﺮورﻳﺔ اﻟﺘﻲ‬:‫اﻟﺤﺎﻟﺔ اﻟﺜﺎﻧﻴﺔ‬
‫ واﻟﺤﺼﻮل ﻋﻠﻰ ﻣﻮاﻓﻘﺔ ﻣﺴﺒﻘﺔ ﻣﻦ‬،‫ﻣﺒﻠﻎ اﻟﺘﻐﻄﻴﺔ اﻟﻤﺤﺪد ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬
‫ ﻋﺪم وﺟﻮد ورش ﺻﻴﺎﻧﺔ ﺗﺘﻌﺎﻣﻞ ﻣﻊ‬:‫ )ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ‬،‫اﻟﺸﺮﻛﺔ‬
.(‫اﻟﺸﺮﻛﺔ ﻓﻲ اﻟﻤﻨﻄﻘﺔ اﻟﺘﻲ ﻳﻘﻄﻦ ﻓﻴﻬﺎ اﻟﻤﺸﺘﺮك‬
‫ ﺗﺘﻢ ﺗﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت ﻓﻲ ﺣﺎﻟﺔ اﻟﺘﻔﻮﻳﺾ ﺑﺎ«ﺻﻼح ﻣﻦ ﻗﺒﻞ اﻟﺸﺮﻛﺔ‬-١
:‫ﺗﻲ‬Ï‫وﻓﻖ ا‬
.‫ اﻋﺘﻤﺎد ﻣﺒﻠﻎ ﻓﺎﺗﻮرة ﻗﻄﻊ اﻟﻐﻴﺎر اﻟﻤﺪﻓﻮﻋﺔ وﻟﻴﺴﺖ اﻟﺘﺴﻌﻴﺮة‬-
.‫ اﻋﺘﻤﺎد ﻣﺒﻠﻎ ﻓﺎﺗﻮرة ا«ﺻﻼح أﺟﻮر اﻟﻴﺪ اﻟﻤﺪﻓﻮﻋﺔ وﻟﻴﺴﺖ اﻟﺘﺴﻌﻴﺮة‬-
‫ﻳﺘﻢ اﻋﺘﻤﺎد ا®ﻗﻞ ﻣﻦ ﻗﻴﻤﺔ اﻟﻔﻮاﺗﻴﺮ اﻟﻤﺪﻓﻮﻋﺔ ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك أو ﻣﺒﻠﻎ‬ّ -
.‫اﻟﻤﻔﻮض ﺑﻪ ﻣﻦ ﻗﺒﻞ اﻟﺸﺮﻛﺔ‬
ّ ‫ا«ﺻﻼح‬
.‫ إﺣﻀﺎر ﺻﻮر ﻟﻠﻤﺮﻛﺒﺔ ﺑﻌﺪ إﺻﻼﺣﻬﺎ و ﺗﺴﻠﻴﻤﻬﺎ ﻟﻠﺸﺮﻛﺔ‬-٢
.‫ ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ ﺗﻌﻴﻴﻦ ﻣﻘﻴﻢ ﺧﺴﺎﺋﺮ ﻟﻠﺘﺤﻘﻖ ﻣﻦ ا«ﺻﻼﺣﺎت‬-٣
:‫ اﻻﺳﺘﻬﻼك واﻟﺘﺤﻤﻞ‬٥/١/٢
:‫ ﻧﺴﺒﺔ اﻻﺳﺘﻬﻼك‬.‫ أ‬.٥/١/٢
‫ﻓﻲ ﺣﺎﻟﺔ اﻟﺨﺴﺎرة أو اﻟﻀﺮر اﻟﺬي ﻳﻠﺤﻖ ﺑﻤﺮﻛﺒﺔ اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
:‫ﺗﻲ‬Ï‫ﺳﻮف ﻳﺘﻢ ﺗﻄﺒﻴﻖ ﺣﺴﻢ اﻟﻨﺴﺒﺔ اﻟﻤﺘﻌﻠﻘﺔ ﺑﺎﻻﺳﺘﻬﻼك وذﻟﻚ ﻋﻠﻰ اﻟﻨﺤﻮ ا‬
‫ ﻓﻲ ﺣﺎﻟﺔ اﻟﺨﺴﺎرة اﻟﺠﺰﺋﻴﺔ‬-‫أ‬
‫ ﻓﻲ ﺣﺎﻟﺔ اﺳﺘﺒﺪال ﻗﻄﻊ اﻟﻐﻴﺎر اﻟﻤﻔﻘﻮدة أو اﻟﺘﺎﻟﻔﺔ ﺑﻘﻄﻊ ﺟﺪﻳﺪة أو ﺳﺪاد‬- ‫أ‬
‫ﻗﻴﻤﺔ اﻻﺳﺘﺒﺪال ﺑﻘﻄﻊ ﺟﺪﻳﺪة ﺳﻮف ﺗﻘﻮم اﻟﺸﺮﻛﺔ ﺑﺘﻄﺒﻴﻖ ﻧﺴﺒﺔ اﻻﺳﺘﻬﻼك‬
:‫ﻛﻤﺎ ﻳﺄﺗﻲ‬
‫أو اﻏﻄﻴﺔ اﻻﻃﺎرات اﻟﻄﺎﺳﺎت ﺳﻮف‬/‫ ﻓﻲ ﺣﺎل اﺳﺘﺒﺪال اﻻﻃﺎرات اﻟﺠﻨﻮط و‬- ٢/‫أ‬
.٪٥٠ ‫ﻳﺘﻢ ﺧﺼﻢ ﻧﺴﺒﺔ اﺳﺘﻬﻼك ﻗﺪرﻫﺎ‬
‫ ﻻ ﻳﻨﻄﺒﻖ ﺧﺼﻢ اﻻﺳﺘﻬﻼك ﻋﻠﻰ اﻟﺰﺟﺎج ا®ﻣﺎﻣﻲ واﻟﺰﺟﺎج اﻟﺨﻠﻔﻲ واﻟﺠﺎﻧﺒﻲ‬- ٣/‫أ‬
.‫وزﺟﺎج اﻻﺑﻮاب‬
Head Office: Platinum Centre,
3rd Floor, Setteen Street, Al Malaz
 Sedan / SUVs /Pickups owned by individuals and used for private purposes
(‫اﻻﺳﺘﺨﺪام اﻟﺨﺎص – )اﻻﺳﺘﺨﺪام اﻟﺸﺨﺼﻲ واﻻﺳﺘﺨﺪام اﻟﻤﻨﺰﻟﻲ‬
(Private purpose means used for pleasure, social, and/or domestic use only)

Age of Motor Vehicle Depreciation ‫ﻧﺴﺒﺔ اﻻﺳﺘﻘﻄﺎع‬ ‫ﻋﻤﺮ اﻟﻤﺮﻛﺒﺔ‬

All Ages NIL ‫ﻻ ﻳﻮﺟﺪ‬ ‫اﻟﺠﻤﻴﻊ‬

Other vehicles owned by Individual and used for private purpose: ‫اﻟﺴﻴﺎرات اﻻﺧﺮى اﻟﻤﻤﻠﻮﻛﺔ ﻣﻦ ﻗﺒﻞ اﻻﻓﺮاد و ﺗﺴﺘﺨﺪم ®ﻏﺮاض ﺧﺎﺻﺔ‬

Age of Motor Vehicle Depreciation ‫ﻧﺴﺒﺔ اﻻﺳﺘﻘﻄﺎع‬ ‫ﻋﻤﺮ اﻟﻤﺮﻛﺒﺔ‬

Zero to 2 Years NIL ‫ﻻ ﻳﻮﺟﺪ‬ ‫ﻣﻦ ﺻﻔﺮ ﺣﺘﻰ ﻋﺎﻣﻴﻦ‬

3 to 4 Years 20% %٢٠ ‫ﻣﻦ اﻟﻌﺎم اﻟﺜﺎﻟﺚ ﺣﺘﻰ اﻟﻌﺎم اﻟﺮاﺑﻊ‬

5 Years and Above 30% %٣٠ ‫ﺧﻤﺴﺔ أﻋﻮام ﻓﺄﻛﺜﺮ‬

All types of vehicles owned by Establishments/Companies and used for
Commercial Purposes
(Commercial purpose means used for transporting passengers or goods for businesses
and not used for pleasure, social, or domestic purpose)
‫ﻏﺮاض اﻟﺘﺠﺎرﻳﺔ‬Î‫ اﻟﺸﺮﻛﺎت واﻟﻤﺴﺘﺨﺪﻣﺔ ﻟ‬/ ‫ﺟﻤﻴﻊ اﻧﻮاع اﻟﺴﻴﺎرات اﻟﻤﻤﻠﻮﻛﺔ ﻣﻦ ﻗﺒﻞ اﻟﻤﺆﺳﺴﺎت‬
‫)اﻻﺳﺘﺨﺪام اﻟﺘﺠﺎري ﻳﻘﺼﺪ ﺑﻪ ﻧﻘﻞ اﻟﺮﻛﺎب واﻟﺒﻀﺎﺋﻊ واﻟﺨﺎﺻﺔ ﺑﺎ®ﻋﻤﺎل وﻟﻴﺲ اﻻﺳﺘﺨﺪام اﻟﺨﺎص أو‬
(‫اﻟﺸﺨﺼﻲ واﻟﻤﻨﺰﻟﻲ‬

Age of Motor Vehicle Depreciation ‫ﻧﺴﺒﺔ اﻻﺳﺘﻘﻄﺎع‬ ‫ﻋﻤﺮ اﻟﻤﺮﻛﺒﺔ‬

Up to ONE year 10% %١٠ ‫ﺣﺘﻰ اﻟﻌﺎم اﻻول‬

2 to 3 Years 20% %٢٠ ‫ﻋﺎﻣﻴﻦ وﺣﺘﻰ اﻟﻌﺎم اﻟﺜﺎﻟﺚ‬

4 to 5 Years 30% %٣٠ ‫أرﺑﻌﺔ أﻋﻮام و ﺣﺘﻰ اﻟﻌﺎم اﻟﺨﺎﻣﺲ‬

Above 5 Years 35% %٣٥ ‫أﻛﺜﺮ ﻣﻦ ﺧﻤﺴﺔ أﻋﻮام‬

b) In case of Total Loss: :‫ب( ﻓﻲ ﺣﺎﻟﺔ اﻟﺨﺴﺎرة اﻟﻜﻠﻴﺔ‬

Liability of the company shall not exceed the lesser of the following
two scenarios:
i. Insured’s declared value as stated in the policy schedule less than
1.5% per month or portion from the insurance effective date under
the policy or latest renewal with a maximum of 15%.
ii. The reasonable market value of the motor vehicle at the time of
loss or damage.
:‫ﺗﻜﻮن ﺣﺪود اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ أﻗﻞ ﻣﻦ‬
‫ اﻟﻘﻴﻤﺔ اﻟﺘﻲ أﻋﻠﻦ ﻋﻨﻬﺎ اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ ﻋﻨﺪ اﻻﺷﺘﺮاك واﻟﻤﺬﻛﻮرة‬١/‫ب‬
‫ ﺷﻬﺮﻳ¯ أو ﺟﺰء ﻣﻦ اﻟﺸﻬﺮ‬%١.٥ ‫ﺑﺠﺪول اﻟﻮﺛﻴﻘﺔ اﻟﻘﻴﻤﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﺑﻌﺪ ﺧﺼﻢ‬
.%١٥ ‫ﻣﻦ ﺗﺎرﻳﺦ ﺑﺪء ﺳﺮﻳﺎن اﻟﻮﺛﻴﻘﺔ أو اﺧﺮ ﺗﺠﺪﻳﺪ ﻟﻬﺎ وﺑﺤﺪ اﻗﺼﻰ‬
.‫ اﻟﻘﻴﻤﺔ اﻟﺴﻮﻗﻴﺔ اﻟﻤﻌﻘﻮﻟﺔ ﻟﻠﻤﺮﻛﺒﺔ وﻗﺖ اﻟﺨﺴﺎرة أو اﻟﻔﻘﺪ‬٢/‫ب‬

2.1.v.ii Application of Deductible: :‫ ﺗﻄﺒﻴﻖ ﻣﺒﻠﻎ اﻟﺘﺤﻤﻞ‬ii ٥/١/٢

Where the percentage of fault by the insured/authorized driver is 0%
and the third party is identified, either insurer or individual, deductible
will not be applied. Conversely, for those cases where third party is
not possible to be identified i.e. hit and run cases, collision with
animals, theft or damages below the amount of the deductible, policy
deductible will be applied.
‫اﻟﺴﺎﺋﻖ‬/‫إذا ﻛﺎﻧﺖ ﻧﺴﺒﺔ اﻟﺨﻄﺄ اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث ﻣﻦ ﺟﺎﻧﺐ اﻟﻤﺆﻣﻦ ﻟﻪ‬
‫اﻟﻤﺼﺮح ﻟﻪ ﺻﻔﺮ ﺑﺎﻟﻤﺌﺔ وﺗﻢ ﺗﺤﺪﻳﺪ اﻟﻄﺮف اﻟﻤﺘﺴﺒﺐ ﺳﻮاء ﻛﺎن ﻣﺆﻣﻨ¯ أو ﻏﻴﺮ‬
‫ﻣﺆﻣﻦ ﻓﺎﻧﻪ ﻟﻦ ﻳﺘﻢ ﺗﻄﺒﻴﻖ ﺣﺴﻢ ﻣﺒﻠﻎ اﻟﺘﺤﻤﻞ ﻋﻠﻰ اﻟﻤﺸﺘﺮك اﻣﺎ اذا ﻟﻢ ﻳﻤﻜﻦ‬
‫ﺗﺤﺪﻳﺪ اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث ﻣﺜﻞ ﺣﻼت اﻟﺼﺪم واﻟﻬﺮوب أو اﻟﺴﺮﻗﺔ أو اﻟﺘﺼﺎدم‬
‫ﻣﻊ ﺣﻴﻮان أو ﻛﺎﻧﺖ ﻧﻔﻘﺎت إﺻﻼح ا®ﺿﺮار اﻟﺘﻲ ﻟﺤﻘﺖ ﺑﺎﻟﻤﺮﻛﺒﺔ اﻗﻞ أو أﻛﺜﺮ ﻣﻦ ﻣﺒﻠﻎ‬
.‫اﻟﺘﺤﻤﻞ ﻓﺴﻮف ﻳﺘﻢ ﺗﻄﺒﻴﻖ ﻣﺒﻠﻎ اﻟﺘﺤﻤﻞ اﻟﻤﺒﻴﻦ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬

2.1.vi Company’s Right of Recourse Against Any Person :‫ ﺣﻖ اﻟﻤﺸﺎرﻛﺔ ﻓﻲ اﻟﺮﺟﻮع ﻋﻠﻰ اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث‬٦/١/٢
Who is Responsible for an Accident:

If the company paid any amounts from the participant’s fund for any
party against any claim/s and afterwards found that the claim arises
out of an exclusion under article 3, or excluded coverage by this
policy or if there has been fraud, deception, forgery, or falsification,
then the company has the right to charge the participant to refund all
the amount which was paid earlier from the participation’s fund. Also
the company has the right to charge the participant in case of theft or
any attempt to, or the vehicle being driven by an unauthorized person.
‫إذا ﺳﺪدت اﻟﺸﺮﻛﺔ أي ﻣﺒﺎﻟﻎ ﻣﻦ ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ اﻟﻰ أي ﻃﺮف ﻣﻘﺎﺑﻞ أي‬
‫ أو‬٣ ‫ﻣﻄﺎﻟﺒﺎت وﺑﻌﺪ ذﻟﻚ وﺟﺪت ان اﻟﻤﻄﺎﻟﺒﺔ ﻗﺪ ﻧﺸﺄت ﻋﻦ اﺳﺘﺜﻨﺎء وﻓﻘﺎ ﻟﻠﻤﺎدة‬
‫اﻟﺘﻐﻄﻴﺔ اﻟﻤﺴﺘﺜﻨﺎة ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ أو اذ ﻇﻬﺮ اﺣﺘﻴﺎل أو ﺧﺪاع أو ﺗﺰﻳﻴﻒ أو‬
‫ﺗﺰوﻳﺮ ﻓﺈﻧﻪ ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ ان ﺗﻄﻠﺐ ﻣﻦ اﻟﻤﺸﺘﺮك رد ﻛﻞ اﻟﻤﺒﻠﻎ اﻟﻤﺪﻓﻮع ﺳﺎﺑﻖ ﻣﻦ‬
‫ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ ﻛﻤﺎ ﻳﺤﻖ ﻟﻬﺎ اﻟﺮﺟﻮع ﻋﻠﻰ اﻟﻤﺘﺴﺒﺐ ﻓﻲ أي ﺣﺎدث ﻓﻲ ﺣﺎل‬
‫اﻟﺴﺮﻗﺔ أو اﻟﺸﺮوع ﻓﻲ ﺳﺮﻗﺔ اﻟﻤﺮﻛﺒﺔ اﻟﻤﻐﺎﻃﺔ أو ﻗﻴﺎدﺗﻬﺎ ﻣﻦ ﻗﺒﻞ أي ﺷﺨﺺ ﻏﻴﺮ‬
.‫ﻣﺼﺮح ﻟﻪ ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك‬

P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
2.2 Third Party Liability Coverage
Based on the Law of Supervision of Cooperative Insurance
Companies issued under Royal Decree No. M/32 dated 02/06/1424 H,
the Implementing Regulation issued under the Minister of Finance’s
resolution No. 1/596 dated 1/3/1425 H, and the Council of Ministers’
Resolution No. 222 dated 13/08/1422 H concerning compulsory
insurance. This unified policy shall be effective as of the date of its
approval by SAMA’s Governor, and shall replace the Third Party
Liability Motor Insurance Policy issued by the Governor’s resolution
No. 1/1427 dated 18/05/1427 H.
2.2.i Scope
Where the insured has submitted to the company an insurance
proposal form, which is considered the basis for this policy; and has
paid or has undertaken to pay the required participation, and the
company accepted this proposal, the company shall, in the event of
accident occurrence within the territory of Saudi Arabia which results
in damage that is not excluded under this policy and in accordance
with the terms and conditions set forth in this policy for indemnifying
the third party for all the amounts that the insured or the driver or
the person causing the accident are obliged to pay for:
a) Physical damage inflicted on third party inside or outside the
vehicle.
b) Physical damage inflicted on third party outside the vehicle.
c) Expenses.
2.2.ii Limits
In the event of an accident resulting in the payment of indemnity in
accordance with the provisions of this policy, the maximum limit of the
company's liability for one event for both physical damage, expenses
and material damages, shall not exceed together a total sum of
10,000,000 SAR (ten million Saudi Riyals) as a coverage liability limit.
2.2.iii Cases in which the company is not allowed to
disclaim liabilities towards third-party:
Taking into consideration Article 9, the company may not disclaim
liability for indemnity under this policy towards the third party
because the insured, driver, or the person causing the accident has
committed any violation. Whether the violation occurred before or
after the accident, or because of the insured’s, the driver’s, or the
person causing the accident noncompliance with what is stated in this
policy, without prejudice to the company’s right of recovery from the
insured or the driver after indemnifying the third party if the recourse
is justified.
2.2.iv Cases in which the company is obliged to
indemnify the third party while reserving the right of
recourse against the insured, the driver or the person
causing the accident:
The company has the right of recovery from the insured, the driver, or
the person causing the accident to recover the amount it had paid to
the third party in any of the following cases:
1- Any liability or expenses arising/occurring where the insured
vehicle is:
a) Used in contravention of restrictions set forth in the Policy
Schedule.
b) Carrying passengers beyond the capacity authorized for the
vehicle, and it has been proved that the accident occurred because
of this violation.
Al Rajhi Co. for Cooperative Insurance
‫ اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﺗﺠﺎه اﻟﻐﻴﺮ‬٢
‫ إﻟﻰ ﻗﺎﻧﻮن ا«ﺷﺮاف ﻋﻠﻰ ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ اﻟﺼﺎدر ﺑﺎﻟﻤﺮﺳﻮم‬Ö‫اﺳﺘﻨﺎد‬
‫ اﻟﻼﺋﺤﺔ اﻟﺘﻨﻔﻴﺬﻳﺔ اﻟﺼﺎدرة ﺑﻤﻮﺟﺐ ﻗﺮار‬،‫ ﻫـ‬١٤٢٤/٦/٢ ‫ وﺗﺎرﻳﺦ‬٣٢ / ‫اﻟﻤﻠﻜﻲ رﻗﻢ م‬
(٢٢٢) ‫ وﻋﻠﻰ ﻗﺮار ﻣﺠﻠﺲ اﻟﻮزراء رﻗﻢ‬.‫ ﻫـ‬١٤٢٥/٣/١ ‫ ﺑﺘﺎرﻳﺦ‬٥٩٦/١ ‫وزﻳﺮ اﻟﻤﺎﻟﻴﺔ رﻗﻢ‬
‫ ﺗﻜﻮن ﻫﺬه اﻟﺴﻴﺎﺳﺔ اﻟﻤﻮﺣﺪة ﺳﺎرﻳﺔ‬،‫ ﻫـ ﺑﺸﺄن اﻟﺘﺄﻣﻴﻦ ا«ﺟﺒﺎري‬١٤٢٢/٨/١٣ ‫وﺗﺎرﻳﺦ‬
‫ ﻣﻦ ﺗﺎرﻳﺦ ﻣﻮاﻓﻘﺔ ﻣﺤﺎﻓﻆ ﻣﺆﺳﺴﺔ اﻟﻨﻘﺪ اﻟﻌﺮﺑﻲ اﻟﺴﻌﻮدي‬Ö‫اﻟﻤﻔﻌﻮل اﻋﺘﺒﺎر‬
‫ وﺗﺤﻞ ﻣﺤﻞ "وﺛﻴﻘﺔ ﺑﻮﻟﻴﺼﺔ اﻟﺘﺄﻣﻴﻦ اﻟﺨﺎﺻﺔ ﺑﻤﺴﺆوﻟﻴﺔ اﻟﻄﺮف اﻟﺜﺎﻟﺚ‬،‫ﻋﻠﻴﻬﺎ‬
.‫ ﻫـ‬١٤٢٧/٥/١٨ ‫ وﺗﺎرﻳﺦ‬١٤٢٧/١ ‫( ﻟﺴﻨﺔ‬١) ‫ ﺑﻘﺮار اﻟﻤﺤﺎﻓﻆ رﻗﻢ‬."‫اﻟﺼﺎدرة‬
:‫ ﻣﺠﺎل اﻟﺘﻐﻄﻴﺔ‬١/٢/٢
‫اﻟﻤﺆﻣﻦ ﻟﻪ ﻗﺪ ﺗﻘﺪم إﻟﻰ اﻟﺸﺮﻛﺔ ﺑﻄﻠﺐ ﺗﺄﻣﻴﻦ ُﻳﻌﺪ أﺳﺎﺳ¯ ﻟﻬﺬه اﻟﻮﺛﻴﻘﺔ‬‫ﱠ‬ ‫ﺣﻴﺚ إن‬
‫ ﻓﺈﻧﻬﺎ‬،‫ وﻗﺒﻠﺖ اﻟﺸﺮﻛﺔ ﻫﺬا اﻟﻄﻠﺐ‬،‫ودﻓﻊ أو ﺗﻌﻬﺪ ﺑﺪﻓﻊ اﻻﺷﺘﺮاك اﻟﻤﻄﻠﻮب ﻣﻨﻪ‬
¯‫ ﻧﺎﺗﺠ‬Ö‫ﺗﻠﺘﺰم إذا وﻗﻊ ﺣﺎدث داﺧﻞ أراﺿﻲ اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ وأﻟﺤﻖ ﺿﺮر‬
‫ﻋﻦ ﺧﻄﺮ ﻏﻴﺮ ﻣﺴﺘﺜﻨﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ وﺿﻤﻦ ﺣﺪود ا®ﺣﻜﺎم واﻟﺸﺮوط اﻟﻮاردة ﺑﻬﺎ‬
‫اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ أو اﻟﻤﺘﺴﺒﺐ‬
ّ ‫ﺑﺘﻌﻮﻳﺾ اﻟﻐﻴﺮ ﻋﻦ اﻟﻤﺒﺎﻟﻎ ﺟﻤﻴﻌﻬﺎ اﻟﺘﻲ ُﻳﻠﺰم‬
:‫ﻓﻲ اﻟﺤﺎدث ﺑﺪﻓﻌﻬﺎ ﻟﻘﺎء‬
.‫أ( ا®ﺿﺮار اﻟﺠﺴﺪﻳﺔ اﻟﺘﻲ ﺗﻠﺤﻖ ﺑﺎﻟﻐﻴﺮ داﺧﻞ اﻟﻤﺮﻛﺒﺔ أو ﺧﺎرﺟﻬﺎ‬
.‫ب( ا®ﺿﺮار اﻟﻤﺎدﻳﺔ اﻟﺘﻲ ﺗﻠﺤﻖ ﺑﺎﻟﻐﻴﺮ ﺧﺎرج اﻟﻤﺮﻛﺒﺔ‬
.‫ج( اﻟﻤﺼﺎرﻳﻒ‬
‫ ﺣﺪود اﻟﺘﻐﻄﻴﺔ‬٢/٢/٢
‫ﻓﻲ ﺣﺎل وﻗﻮع ﺣﺎدث ﻳﺘﺮﺗﺐ ﻋﻠﻴﻪ دﻓﻊ ﺗﻌﻮﻳﺾ وﻓﻘﺎ ®ﺣﻜﺎم ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻓﺈن‬
‫اﻟﺤﺪ ا®ﻗﺼﻰ ﻟﻤﺴﺆوﻟﻴﺔ اﻟﺸﺮﻛﺔ ﻓﻲ اﻟﻮاﻗﻌﺔ اﻟﻮاﺣﺪة وﺧﻼل ﻓﺘﺮة ﺳﺮﻳﺎن اﻟﻮﺛﻴﻘﺔ‬
¯‫اﻟﻤﺎدﻳﺔ ﻣﻌ¯ ﻟﻦ ﺗﺘﺠﺎوز ﻣﺒﻠﻐ‬
ّ ‫ﺿﺮار اﻟﺠﺴﺪﻳﺔ واﻟﻤﺼﺎرﻳﻒ وا®ﺿﺮار‬Î‫ﺑﺎﻟﻨﺴﺒﺔ ﻟ‬
.‫ﻛﺤﺪ أﻗﺼﻰ ﻟﻤﺴﺆوﻟﻴﺔ اﻟﺸﺮﻛﺔ‬
ٍ ،(‫إﺟﻤﺎﻟﻴ¯ ﻗﺪره )ﻋﺸﺮة ﻣﻼﻳﻴﻦ رﻳﺎل ﺳﻌﻮدي‬
:‫ ﺣﺎﻻت ﻋﺪم ﺗﻨﺎزل اﻟﺸﺮﻛﺔ ﻋﻦ اﻟﺘﺰاﻣﺎﺗﻬﺎ‬٣/٢/٢
‫ﻣﻊ ﻣﺮاﻋﺎة اﻟﻤﺎدة اﻟﺘﺎﺳﻌﺔ ﻣﻦ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻻ ﻳﺠﻮز ﻟﻠﺸﺮﻛﺔ أن ﺗﺘﻤﺴﻚ ﺗﺠﺎه اﻟﻐﻴﺮ‬
‫اﻟﻤﺆﻣﻦ ﻟﻪ‬
‫ﱠ‬ ‫ﺑﻌﺪم ﻣﺴﺌﻮﻟﻴﺘﻬﺎ ﻋﻦ اﻟﺘﻌﻮﻳﺾ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺑﺴﺒﺐ ارﺗﻜﺎب‬
‫أو اﻟﺴﺎﺋﻖ أو اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث أي ﻣﺨﺎﻟﻔﺔ ﺳﻮاء أﻛﺎﻧﺖ اﻟﻤﺨﺎﻟﻔﺔ ﻗﺒﻞ اﻟﺤﺎدث‬
‫ ﻣﻊ ﻋﺪم ا«ﺧﻼل ﺑﺤﻖ‬،‫أم ﺑﻌﺪه أم ﺑﺴﺒﺐ ﻋﺪم اﻟﺘﺰاﻣﻪ ﺑﻤﺎ ورد ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ أو اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث ﺑﻌﺪ اﻟﺪﻓﻊ‬
‫ﱠ‬ ‫اﻟﺸﺮﻛﺔ ﺑﺎﻟﺮﺟﻮع ﻋﻠﻰ‬
.‫ﻟﻠﻐﻴﺮ ﺑﻜﺎﻓﺔ اﻟﻄﺮق اﻟﻨﻈﺎﻣﻴﺔ إن ﻛﺎن ﻟﻠﺮﺟﻮع ﻣﺎ ﻳﺒﺮره‬
ّ
‫ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ اﻟﺮﺟﻮع ﻓﻴﻬﺎ ﻋﻠﻰ اﻟﻤﺸﺘﺮك أو‬ ‫ اﻟﺤﺎﻻت اﻟﺘﻲ‬٤/٢/٢
‫اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث‬
ّ
‫ أن ﺗﺮﺟﻊ ﻋﻠﻰ اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ‬- ‫ ﺑﻌﺪ دﻓﻊ اﻟﻤﻄﺎﻟﺒﺔ‬- ‫ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ‬
‫أو اﻟﺸﺨﺺ اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث ﻻﺳﺘﺮداد اﻟﻤﺒﻠﻎ اﻟﺬي دﻓﻌﺘﻪ ﻟﻠﻐﻴﺮ ﻓﻲ أي ﻣﻦ‬
:‫ﺗﻴﺔ‬Ï‫اﻟﺤﺎﻻت ا‬
‫ أي ﻣﺴﺆوﻟﻴﺔ أو ﺗﻌﻮﻳﻀﺎت أو ﻧﻔﻘﺎت ﺗﻨﺸﺄ أو ﺗﺤﺪث ﻋﻨﺪﻣﺎ ﺗﻜﻮن اﻟﻤﺮﻛﺒﺔ‬-١
:‫اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ‬
.‫أ( ﻗﺪ اﺳﺘﺨﺪﻣﺖ ﺑﻤﺎ ﻳﺨﺎﻟﻒ اﻟﻘﻴﻮد اﻟﻤﺤﺪدة ﻓﻲ اﻟﺠﺪول‬
‫أن ُﺣﺼﻮل‬
‫ وﺛﺒﺖ ﱠ‬،‫ب( ﺗﺠﺎوزت ﺣﻤﻮﻟﺘﻬﺎ ﻣﻦ اﻟﺮﻛﺎب اﻟﻌﺪد اﻟﻤﺼﺮح ﺑﻪ ﻟﻠﻤﺮﻛﺒﺔ‬
.‫اﻟﺤﺎدث ﻛﺎن ﺑﺴﺒﺐ ﻫﺬا اﻟﺘﱠﺠﺎوز‬
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
 c) Driven by a person under the influence of drugs, alcohol, or
medicines that are not allowed to be taken when driving.
d) Driven by any person under the age of 18 (Hijri Years) unless
insured or among the names of authorized drivers whose age is less
than 18 (Hijri Years) under the policy schedule.
e) If the vehicle is stolen or taken by compulsion, the company shall
have the right of recourse against the person who caused the
accident or the insured, if he does not notify the competent
authorities of the theft, so that it can recover what it paid to the
third party.
f) Driven without obtaining a driving license for the vehicle type
according to the relevant laws and regulations, the license has been
issued an order to be withdrawn by the concerned authorities, or has
been expired at the time of the accident unless the expired license is
renewed within 50 working days from the date of the accident.
‫ أواﻟﻌﻘﺎﻗﻴﺮ‬،‫ أو اﻟﻤﺴﻜﺮات‬،‫أي ﺷﺨﺺ ﺗﺤﺖ ﺗﺄﺛﻴﺮ اﻟﻤﺨﺪرات‬ ّ ‫ﺗﻤﺖ ﻗﻴﺎدﺗﻬﺎ ﻣﻦ‬
ّ (‫ج‬
.‫اﻟﻄﺒﻴﺔ اﻟﻤﺤﻈﻮر ﺗﻨﺎوﻟﻬﺎ ﻋﻨﺪ اﻟﻘﻴﺎدة‬
‫اﻟﻤﻮﻣﻦ ﻟﻪ‬
ًّ ‫ ﻋﺎﻣ¯ ﻫﺠﺮﻳ¯ ﻣﺎ ﻟﻢ ﻳﻜﻦ ﻫﻮ‬١٨ ‫د( ﻗﻴﺎدة أي ﺷﺨﺺ ﻳﻘﻞ ﻋﻤﺮه ﻋﻦ‬
١٨ ‫اﻟﻤﺴﻤﻴﻦ اﻟﺬﻳﻦ ﺗﻘﻞ أﻋﻤﺎرﻫﻢ ﻋﻦ‬ ُ ‫وﻣﺎﻟﻢ ﻳﺮد اﺳﻤﻪ ﺿﻤﻦ أﺳﻤﺎء اﻟﺴﺎﺋﻘﻴﻦ‬
.‫ﺳﻨﺔ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬
‫ﻫـ( إذا ﻛﺎﻧﺖ اﻟﻤﺮﻛﺒﺔ ﻣﺴﺮوﻗﺔ أو ﻣﺄﺧﻮذة ﻏﺼﺒ¯ ﻓﺈن ﻟﻠﺸﺮﻛﺔ ﺣﻖ اﻟﺮﺟﻮع ﻋﻠﻰ‬
‫ أو اﻟﻤﺆﻣﻦ ﻟﻪ ﻓﻲ ﺣﺎل ﻟﻢ ﻳﺨﻄﺮ اﻟﺠﻬﺎت اﻟﻤﺨﺘﺼﺔ ﻋﻦ‬،‫اﻟﻤﺘﺴﺒﺐ ﻓﻲ اﻟﺤﺎدث‬
.‫اﻟﺴﺮﻗﺔ ﻻﺳﺘﺮداد ﻣﺎ دﻓﻌﺘﻪ ﻟﻠﻄﺮف اﻟﺜﺎﻟﺚ‬
‫و( إذا ﺛﺒﺖ أن ﻗﻴﺎدة اﻟﻤﺮﻛﺒﺔ ﺗﻤﺖ دون اﻟﺤﺼﻮل ﻋﻠﻰ رﺧﺼﺔ ﻗﻴﺎدة ﻟﻨﻮع‬
‫ أو ﺗﻜﻮن اﻟﺮﺧﺼﺔ ﻗﺪ ﺻﺪر أﻣﺮ‬،‫ﻧﻈﻤﺔ واﻟﻠﻮاﺋﺢ ذات اﻟﻌﻼﻗﺔ‬Î‫اﻟﻤﺮﻛﺒﺔ ﻃﺒﻘ¯ ﻟ‬
‫ أو ﻛﺎﻧﺖ ﻣﻨﺘﻬﻴﺔ وﻗﺖ اﻟﺤﺎدث ﻣﺎﻟﻢ ﻳﺠﺪد‬،‫ﺑﺴﺤﺒﻬﺎ ﻣﻦ اﻟﺠﻬﺎت اﻟﻤﺨﺘﺼﺔ‬
.‫ ﻳﻮم ﻋﻤﻞ ﻣﻦ ﺗﺎرﻳﺦ اﻟﺤﺎدث‬٥٠ ‫اﻟﺮﺧﺼﺔ اﻟﻤﻨﺘﻬﻴﺔ ﺧﻼل‬

2- If it is proven that the insured has made false representations or
concealed vital facts in the insurance proposal form in such a way as
to affect the company acceptance of risk coverage, the insurance
premium, or its terms and conditions.
3- Failure on the part of the insured to notify the company in writing
within twenty working days of any material change to his disclosures
in the insurance proposal form.
4- Escape of the insured or driver of the vehicle from the scene of the
accident.
5- Crossing the traffic’s red light by the insured or driver.
6- Driving the vehicle in the opposite direction of the traffic lane.
‫ أو أﺧﻔﻰ ﺣﻘﺎﺋﻖ أو‬،‫ إذا ﺛﺒﺖ أن اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ أدﻟﻰ ﺑﺒﻴﺎﻧﺎت ﻏﻴﺮ ﺻﺤﻴﺤﺔ‬-٢
‫وﻗﺎﺋﻊ ﺟﻮﻫﺮﻳﺔ ﻓﻲ ﻧﻤﻮذج ﻃﻠﺐ اﻟﺘﺄﻣﻴﻦ ﻳﻤﻜﻦ أن ﺗُﺆ ﱢﺛﺮ ﻋﻠﻰ ﻗﺒﻮل اﻟﺸﺮﻛﺔ‬
‫ أو ﺷﺮوﻃﻪ‬،‫ أو ﻗﺴﻂ اﻟﺘﺄﻣﻴﻦ‬،‫ﺗﻐﻄﻴﺔ اﻟﺨﻄﺮ‬
‫ﻛﺘﺎﺑﻴ¯ ﺧﻼل ﻋﺸﺮة أﻳﺎم ﻋﻤﻞ ﻋﻦ أي ﺗﻐﻴﻴﺮ‬ ّ ‫ ﻋﺪم إﺑﻼغ اﻟﻤﺆﻣﻦ ﻟﻪ اﻟﺸﺮﻛﺔ‬-٣
.‫ﺟﻮﻫﺮي ﻓﻲ ﺑﻴﺎﻧﺎﺗﻪ اﻟﻤﺤﺪدة ﻓﻲ ﻧﻤﻮذج ﻃﻠﺐ اﻟﺘﺄﻣﻴﻦ‬
.‫ ﻫﺮوب اﻟﻤﺆﻣﻦ ﻟﻪ أو ﺳﺎﺋﻖ اﻟﻤﺮﻛﺒﺔ ﻣﻦ ﻣﻮﻗﻊ اﻟﺤﺎدث‬-٤
.‫ ﺗﺠﺎوز اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ ا«ﺷﺎرة اﻟﺤﻤﺮاء إﺷﺎرة اﻟﺘﻮ ّﻗﻒ‬-٥
.‫اﻟﺴﻴﺮ‬
ّ ‫ ﻗﻴﺎدة اﻟﻤﺮﻛﺒﺔ ﻋﻜﺲ‬-٦

2.3 Additional and Optional Coverage :‫ ﺗﻐﻄﻴﺎت إﺿﺎﻓﻴﺔ اﺧﺘﻴﺎرﻳﺔ‬٣/٢

Optional covers are applicable only if expressly stated .‫ﺗﺴﺮي اﻟﺘﻐﻄﻴﺎت اﻻﺧﺘﻴﺎرﻳﺔ ﻓﻘﻂ إذا ُذﻛﺮت ﺻﺮاﺣﺔ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬
on your policy schedule.

2.3.i Personal Accident :‫ اﻟﺤﻮادث اﻟﺸﺨﺼﻴﺔ‬١/٣/٢

If the participant adds this extension of cover, the company
undertakes to pay compensation according to the scale and
provisions stated below for the injury as described below, sustained
by the participant and or the authorized driver and/or any of the
passengers specifically stated in the Policy Schedule as a direct result
of an accident to the motor vehicle described in the Policy Schedule
and caused by violent and accidental means which independently of
any other cause shall within 52 consecutive weeks of the occurrence
of such injury result in:
‫ﻓﺈن ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
ّ ‫إذا ﻗﺎم اﻟﻤﺸﺘﺮك ﺑﺘﻮﺳﻴﻊ اﻟﺘﻐﻄﻴﺔ ﻟﺘﺸﻤﻞ ﻫﺬه اﻟﺘﻐﻄﻴﺔ؛‬
‫أو‬/‫ واﻟﺘﻲ ﻳﺘﻌﺮض ﻟﻬﺎ اﻟﻤﺸﺘﺮك و‬-‫ ﻛﻤﺎ ﻫﻲ ﻣﻮﺻﻮﻓﺔ أدﻧﺎه‬- ‫ﺳﺘﻐﻄﻲ ا«ﺻﺎﺑﺔ‬
‫ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬Ö‫أو أي ﻣﻦ اﻟﺮﻛﺎب اﻟﻤﺬﻛﻮرﻳﻦ ﺗﺤﺪﻳﺪ‬/‫اﻟﺴﺎﺋﻖ اﻟﻤﺼﺮح ﻟﻪ و‬
‫ﻛﻨﺘﻴﺠﺔ ﻣﺒﺎﺷﺮة ﻟﺤﺎدث اﻟﻤﺮﻛﺒﺔ اﻟﻤﻮﺻﻮﻓﺔ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ واﻟﺬي ﻳﻜﻮن ﻗﺪ‬
‫ ﺑﺸﺮط اﺳﺘﻤﺮار اﻟﻌﺠﺰ‬،‫ﺣﺪث ﺑﺴﺒﺐ وﺳﺎﺋﻞ ﻋﻨﻴﻔﺔ وﻣﺴﺘﻘﻠﺔ ﻋﻦ أي ﺳﺒﺐ آﺧﺮ‬
:‫ أﺳﺒﻮﻋ¯ ﻣﺘﺘﺎﻟﻴ¯ ﻣﻦ ﺣﺪوﺛﻬﺎ واﻟﺘﻲ ﺗﺆدي إﻟﻰ‬٥٢ ‫اﻟﻨﺎﺗﺞ ﻋﻦ ﺗﻠﻚ ا«ﺻﺎﺑﺔ ﻣﺪة‬

No. Type of Coverage Scale of Compensation ‫ﻣﻘﺪار ﻣﺒﻠﻎ اﻟﺘﻐﻄﻴﺔ‬ ‫م‬

(in Saudi Riyals) ‫ﻧﻮع اﻟﺘﻐﻄﻴﺔ‬
(‫)ﺑﺎﻟﺮﻳﺎل اﻟﺴﻌﻮدي‬
1 Death 100,000 ١٠٠,٠٠٠ ‫اﻟﻮﻓﺎة‬ ١
2 Total irrevocable loss of all sight in both eyes 100,000 ١٠٠,٠٠٠ ‫ﺗﺎم وﻧﻬﺎﺋﻲ ﻟﻠﺒﺼﺮ ﻓﻲ ﻛﻼ اﻟﻌﻴﻨﻴﻦ‬
ّ ‫ﻓﻘﺪان‬ ٢
Total loss by physical severance at/above ‫ﺑﺘﺮ اﻟﻴﺪﻳﻦ ﻣﻦ ﻣﻨﻄﻘﺔ اﻟﺮﺳﻎ أو ﺑﺘﺮ‬
3 the wrist or ankle of both hands or both feet 100,000 ١٠٠,٠٠٠ ‫اﻟﻘﺪﻣﻴﻦ ﻣﻦ اﻟﻜﺎﺣﻞ‬ ٣
Total loss by physical severance at or above ،‫ﺑﺘﺮ ﻳﺪ واﺣﺪة ﻣﻦ ﻣﻨﻄﻘﺔ اﻟﺮﺳﻎ‬
4
the wrist or ankle of one hand or one foot
50,000 ٥٠,٠٠٠ ‫أو ﻗﺪم واﺣﺪة ﻣﻦ اﻟﻜﺎﺣﻞ‬
٤
5 Total irrevocable loss of all sight in one eye 50,000 ٥٠,٠٠٠ ‫ﻓﻘﺪان ﺗﺎم وﻧﻬﺎﺋﻲ ﻟﻠﺒﺼﺮ ﻓﻲ ﻋﻴﻦ واﺣﺪة‬ ٥
Permanent disablement partial and total from ‫اﻟﻌﺠﺰ اﻟﺪاﺋﻢ اﻟﻜ ّﻠﻲ أو اﻟﺠﺰﺋﻲ اﻟﺬي ﻳﻔﻘﺪ اﻟﻤﺸﺘﺮك‬
6 attending any employment or occupation 100,000 ١٠٠,٠٠٠ ‫ أو‬،‫ أو وﻇﻴﻔﺔ‬،‫أي ﻋﻤﻞ‬
ّ ‫ﺑﺴﺒﺒﻪ اﻟﻘﺪرة ﻋﻠﻰ ﻣﻤﺎرﺳﺔ أداء‬ ٦
whatsoever ‫ ﺑﻤﻮﺟﺐ ﺗﻘﺮﻳﺮ ﻟﺠﻨﺔ ﻃﺒﻴﺔ ﻣﻌﺘﻤﺪة‬،‫ﻣﻬﻨﺔ‬
Expense incurred in respect of medical and
7 surgical treatment 25,000 ٢٥,٠٠٠ ‫ﻧﻔﻘﺎت اﻟﻌﻼج اﻟﻄﺒﻲ واﻟﺠﺮاﺣﻲ اﻟﻤﺘﻜ ّﺒﺪة‬ ٧

P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
The enforcement of the above Compensation Scale
shall be subject to the following:
a) Compensation shall not be payable to any one person in respect
of benefits under 1 to 7 inclusive for more than 100,000 SAR in
total in respect of an accident.
b) The age of the injured person at the time of the accident shall
not be over 70 years.
c) Injured person under 16 year of age at the time of the accident
shall receive only 50% of the scale of compensation with maximum
aggregate of 50,000 in SAR respect of one accident.
e) Compensation shall only be payable in respect of injury
sustained by any persons carried inside the cabin of the vehicle at
the time of the accident.
f ) If the number of persons including the driver in the cabin of the
motor vehicle at the time of the accident exceeds the number
stated as the seating capacity in the schedule, the compensation
payable will be decreased proportionately, but this compensation
shall not be payable if carrying more passengers than the registered
seating capacity was a cause of the accident.
g) Compensation under clause 7 shall be restricted to treatment
obtained within Saudi Arabia only. However, the company will not
compensate any expenses incurred directly.
h) Compensation under clause 6 shall be payable only when the
disablement has lasted for 52 consecutive weeks and has been
certified by a qualified registered medical practitioner appointed by
the insurer.
2.3.ii Roadside Assistance
This coverage applies to the insured vehicle while it is being driven by
the insured or his authorized driver and will be applicable only when
using Al Rajhi Takaful’s Roadside Assistance Provider.
The insurance schedule and riders will include the description and
limits of the coverage which will include for example: vehicle towing,
lock out, dead battery, fuel deficiency, and flat tire change are some of
the services available.
2.3.iii Geographical Extension
Loss and damage to the vehicle’s coverage could be extended to
include other GCC countries, or countries within the MENA region.
Third Party Liability shall be excluded as this should be purchased
separately at the border.
If this coverage is opted for, your policy schedule states the exact
limits of coverage.
2.3.iv Replacement Car
If the insured’s vehicle is unusable due to a loss or damage by an
accident covered under this policy, the policy holder will be eligible for
this benefit. Maximum benefit per day and annual aggregate under this
coverage shall be shown in your Policy Schedule.
2.3.v Waiver of Depreciation
This coverage is applicable for vehicles aged up to 1 year from the
date of purchase from the original dealer in case the insured vehicle is
declared. Total loss as defined in the policy schedule. Such claims if
payable, the company will pay for a new replacement of the same
model of the car.
Al Rajhi Co. for Cooperative Insurance
:‫ﻳﺸﺘﺮط ﻟﺘﻄﺒﻴﻖ ﻣﺰاﻳﺎ اﻟﺘﻐﻄﻴﺔ اﻟﻤﺬﻛﻮرة أﻋﻼه ﻣﺎ ﻳﺄﺗﻲ‬
‫أ( ﻟﻦ ﻳﺘﺠﺎوز إﺟﻤﺎﻟﻲ ﻣﺒﺎﻟﻎ اﻟﺘﻐﻄﻴﺔ اﻟﻤﺴﺘﺤﻘﺔ اﻟﺪﻓﻊ ﻋﻦ اﻟﻤﺰاﻳﺎ اﻟﻤﺬﻛﻮرة‬
‫ﻛﺤﺪ أﻗﺼﻰ ﻋﻦ اﻟﺤﺎدث‬ ‫ﱟ‬ ‫ﺳﻌﻮدي‬
ّ ‫ رﻳﺎل‬١٠٠,٠٠٠ ‫ ﻟﻜﻞ ﻓﺮد ﻣﻐﻄﻰ‬٧ ‫ إﻟﻰ‬١ ‫أﻋﻼه ﻣﻦ‬
.‫اﻟﻮاﺣﺪ‬
.¯‫ ﻋﺎﻣ‬٧٠ ‫ب( أﻻ ﻳﺘﺠﺎوز ﻋﻤﺮ اﻟﺸﺨﺺ اﻟﻤﺼﺎب وﻗﺖ وﻗﻮع اﻟﺤﺎدث‬
‫ ﻋﺎﻣ¯؛ ﻓﺈﻧﻪ‬١٦ ‫أﻗﻞ ﻣﻦ‬ ّ ‫ج( إذا ﻛﺎن ﻋﻤﺮ اﻟﺸﺨﺺ اﻟﻤﺼﺎب ﻋﻨﺪ وﻗﻮع اﻟﺤﺎدث‬
‫ رﻳﺎل ﻋﻦ‬٥٠,٠٠٠ ‫ﺑﺤﺪ أﻗﺼﻰ ﻻ ﻳﺘﺠﺎوز‬ ‫ﱟ‬ ‫ ﻓﻘﻂ ﻣﻦ ﻣﺰاﻳﺎ اﻟﺘﻐﻄﻴﺔ‬%٥٠ ‫ﻳﺴﺘﺤﻖ‬ ّ
.‫اﻟﺤﺎدث اﻟﻮاﺣﺪ‬
‫أي ﻣﺒﻠﻎ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﺘﻐﻄﻴﺔ إﻻ ﻟﻠﺸﺨﺺ اﻟﻤﺼﺎب أو وﻛﻴﻠﻪ‬ ّ ‫ﻳﺘﻢ دﻓﻊ‬ ّ ‫د( ﻟﻦ‬
‫اﻟﻤﻌﻨﻲ ﺑﻤﺜﺎﺑﺔ إﻋﻔﺎء‬
ّ ّ ‫ﻌﺪ اﺳﺘﻼم ﻣﺒﻠﻎ اﻟﺘﻐﻄﻴﺔ ﻣﻦ ﻗﺒﻞ‬
‫اﻟﺸﺨﺺ‬ ّ ‫ و ُﻳ‬،‫اﻟﻨﻈﺎﻣﻲ‬
.‫ أو ورﺛﺘﻪ ﻓﻲ ﺣﺎل اﻟﻮﻓﺎة‬،‫اﻟﺸﺨﺺ اﻟﻤﺼﺎب‬ ّ ‫أي ﻣﻄﺎﻟﺒﺔ ﻣﻦ ﻗﺒﻞ‬ ّ ‫ﻛﺎﻣﻞ ﻟﻠﺸﺮﻛﺔ ﻋﻦ‬
‫ﻫـ( ﻻ ﺗﺸﻤﻞ ﺗﻐﻄﻴﺔ اﻟﺤﻮادث اﻟﺸﺨﺼﻴﺔ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ إﻻ ا®ﺷﺨﺎص‬
.‫اﻟﻤﺼﺎﺑﻴﻦ اﻟﻤﻮﺟﻮدﻳﻦ داﺧﻞ اﻟﻤﺮﻛﺒﺔ ﻣﻘﺼﻮرة اﻟﺮﻛﺎب وﻗﺖ وﻗﻮع اﻟﺤﺎدث‬
‫و( اذا ﻛﺎن ﻋﺪد ا®ﺷﺨﺎص اﻟﻤﻮﺟﻮدﻳﻦ ﻓﻲ اﻟﻤﺮﻛﺒﺔ وﻗﺖ وﻗﻮع اﻟﺤﺎدث ﺑﻤﺎ ﻓﻲ‬
‫ذﻟﻚ اﻟﺴﺎﺋﻖ ﻳﺘﺠﺎوز ﻋﺪد اﻟﺮﻛّ ﺎب اﻟﻤﺴﻤﻮح ﺑﻪ ﻧﻈﺎﻣ¯ ﻟﺘﻠﻚ اﻟﻤﺮﻛﺒﺔ ﺳﻌﺔ‬
‫اﻟﻤﻘﺎﻋﺪ؛ ﻓﺈﻧّﻪ ﺳﻮف ﻳﺘﻢ اﺣﺘﺴﺎب ﻣﺒﻠﻎ اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ اﻟﻤﺴﺘﺤﻖ اﻟﺪﻓﻊ‬
‫ﻟﻜﻞ ﺷﺨﺺ ﻋﻠﻰ أﺳﺎس ﻣﺒﺪأ اﻟﺘﻨﺎﺳﺐ؛ وذﻟﻚ ﻣﺎ ﻟﻢ ﺗﻜﻦ اﻟﺰﻳﺎدة ﻓﻲ ﺣﻤﻮﻟﺔ‬ ّ
‫اﻟﺴﺒﺐ ﻓﻲ وﻗﻮع اﻟﺤﺎدث ﻓﻠﻦ ﺗﻜﻮن ﻫﻨﺎك أي ﺗﻐﻄﻴﺔ ﺗﺄﻣﻴﻨﻴﺔ‬ ّ ‫ﻫﻲ‬ ‫ﺎب‬ ّ‫اﻟﺮﻛ‬
.‫اﻟﺪﻓﻊ ®ي ﺷﺨﺺ‬ ّ ‫ﻣﺴﺘﺤﻘّ ﺔ‬
‫ أﻋﻼه ﻧﻔﻘﺎت اﻟﻌﻼج اﻟﻄﺒﻲ‬٧ ‫ز( ﺗﻘﺘﺼﺮ اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﻓﻴﻤﺎ ﻳﺘﻌ ّﻠﻖ ﺑﺎﻟﺒﻨﺪ‬
‫ﻳﺘﻢ اﻟﺤﺼﻮل ﻋﻠﻴﻬﺎ داﺧﻞ اﻟﻤﻤﻠﻜﺔ‬ ّ ‫واﻟﺠﺮاﺣﻲ اﻟﻤﺘﻜ ّﺒﺪة ﻋﻠﻰ اﻟﻌﻼﺟﺎت اﻟﺘﻲ‬
‫ ﻟﻦ ﺗﻐﻄﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ اﻟﻤﺸﺘﺮك ﻋﻦ أي‬،‫ وﻣﻊ ﻫﺬا‬،‫اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ﻓﻘﻂ‬
.‫ﻣﻐﻄﻰ‬ّ ‫ﻧﻔﻘﺎت أﺧﺮى ﻳﺘﻢ ﺗﻜﺒﺪﻫﺎ ﻣﺎﻟﻢ ﺗﻜﻦ ﻧﺎﺗﺠﺔ ﻋﻦ ﺣﺎدث ﻣﺮوري‬
‫ أﻋﻼه اﻟﻌﺠﺰ اﻟﺪاﺋﻢ إﻻ ﻓﻲ ﺣﺎل‬٦ ‫أي ﻣﺒﻠﻎ ﻓﻴﻤﺎ ﻳﺘﻌ ّﻠﻖ ﺑﺎﻟﺒﻨﺪ‬ ّ ‫ﻳﺘﻢ دﻓﻊ‬ ّ ‫ح( ﻻ‬
‫ أﺳﺒﻮﻋ¯ دون اﻧﻘﻄﺎع ﺑﻤﻮﺟﺐ ﺗﻘﺮﻳﺮ‬٥٢‫اﺳﺘﻤ ّﺮ ذﻟﻚ اﻟﻌﺠﺰ ﻣﺪة ﻻ ﺗﻘﻞ ﻋﻦ‬
.‫اﻟﻤﺴﺠﻞ واﻟﻤﻌﻴﻦ ﻣﻦ اﻟﺸﺮﻛﺔ‬ ّ ‫ﻣﺼﺎدق ﻋﻠﻴﻪ اﻟﻤﻤﺎرس اﻟﻄﺒﻲ‬
‫ ﺗﻘﺪﻳﻢ اﻟﻤﺴﺎﻋﺪة ﻋﻠﻰ اﻟﻄﺮﻳﻖ‬٢/٣/٢
‫ﺗﺴﺮي ﻫﺬه اﻟﺘﻐﻄﻴﺔ ﻋﻠﻰ اﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ ﻋﻨﺪ ﻗﻴﺎدﺗﻬﺎ ﻣﻦ ﻗﺒﻞ‬
‫اﻟﻤﺸﺘﺮك أو اﻟﺴﺎﺋﻖ اﻟﻤﺼﺮح ﻟﻪ وﻳﺸﺘﺮط ﻟﻼﺳﺘﻔﺎدة ﻣﻦ ﻫﺬه اﻟﺘﻐﻄﻴﺔ اﻻﺳﺘﻌﺎﻧﺔ‬
‫ﺑﻤﺰود ﺧﺪﻣﺔ ﻣﺴﺎﻋﺪة اﻟﻄﺮﻳﻖ اﻟﺨﺎص ﺑﺸﺮﻛﺔ ﺗﻜﺎﻓﻞ اﻟﺮاﺟﺤﻲ ﻓﻘﻂ وﺳﻮف‬
‫ﺗﺘﻀﻤﻦ ﻣﻼﺣﻖ اﻟﻮﺛﻴﻘﺔ ﺣﺪود ووﺻﻒ ﻫﺬه اﻟﺘﻐﻄﻴﺔ اﻻﺿﺎﻓﻴﺔ ﺑﺸﻜﻞ دﻗﻴﻖ ﻓﻲ‬
‫ﺣﺎل ﺗﻢ اﺧﺘﻴﺎرﻫﺎ ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك وﺗﺸﻤﻞ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ ﺳﺤﺐ‬
‫اﻟﻤﺮﻛﺒﺔ ﻓﻲ ﺣﺎل ﺗﻌﻄﻠﻬﺎ أو اﻟﻤﺴﺎﻋﺪة ﻓﻲ ﺣﺎل ﺗﻌﻄﻞ اﻟﺒﻄﺎرﻳﺔ أو ﻧﻔﺎذ اﻟﻮﻗﻮد‬
.‫وﺧﺪﻣﺔ ﺗﻐﻴﻴﺮ ا«ﻃﺎر اﻟﻤﺘﻌﻄﻞ‬
‫ ﺗﻮﺳﻴﻊ اﻟﻨﻄﺎق اﻟﺠﻐﺮاﻓﻲ ﻟﻠﺘﻐﻄﻴﺔ‬٣/٣/٢
‫ﻳﻤﻜﻦ ﻟﻠﻤﺸﺘﺮك ﻃﻠﺐ ﺗﻮﺳﻴﻊ اﻟﻨﻄﺎق اﻟﺠﻐﺮاﻓﻲ ﻟﻬﺬه اﻟﺘﻐﻄﻴﺔ ﺑﺤﻴﺚ ﺗﺸﻤﻞ‬
‫دول اﻟﺨﻠﻴﺞ اﻻﺧﺮى أو اﻟﺪول اﻟﻌﺮﺑﻴﺔ اﻻﺧﺮى وﻻ ﺗﺸﻤﻞ ﻫﺬا اﻟﺘﻮﺳﻴﻊ ﺗﻐﻄﻴﺔ ﻣﺎ‬
ً ‫ﻳﻠﺰم اﻟﻤﺸﺘﺮك ﻧﻈﺎﻣﺎ ﻣﻦ ﺗﻌﻮﻳﻀﺎت ﻟﻠﻐﻴﺮ ﺣﻴﺚ اﻧﻪ ﻳﻌﺘﺒﺮ ﺗﺎﻣﻴﻨ¯ ﻣﻨﻔﺼ‬
‫ﻼ ﻳﺘﻢ‬
‫اﻻﺷﺘﺮاك ﻓﻴﻪ ﺑﺸﻜﻞ ﻣﺴﺘﻘﻞ وﺳﻮف ﺗﺘﻀﻤﻦ ﻣﻼﺣﻖ اﻟﻮﺛﻴﻘﺔ ﺣﺪود ووﺻﻒ ﻫﺬه‬
.‫اﻟﺘﻐﻄﻴﺔ ﺑﺸﻜﻞ دﻗﻴﻖ ﻓﻲ ﺣﻞ ﺗﻢ اﺧﺘﻴﺎرﻫﺎ ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك‬
‫ ﻣﺮﻛﺒﺔ ﺑﺪﻳﻠﺔ‬٤/٣/٢
‫ﻓﻲ ﺣﺎل ﺗﻌﺬر إﻣﻜﺎﻧﻴﺔ اﺳﺘﺨﺪام اﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ ﺟﺮاء ﺗﻌﺮﻳﻀﻬﺎ ﻟﺤﺎدث‬
‫ﻣﻐﻄﻰ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻓﺈن اﻟﻤﺸﺘﺮك ﻳﺴﺘﺤﻖ ﺗﻐﻄﻴﺔ ﺗﻜﺎﻟﻴﻒ ﻣﺮﻛﺒﺔ‬
‫ﺑﺪﻳﻠﺔ وﻳﺘﻢ ﺗﺤﺪﻳﺪ إﺟﻤﺎﻟﻲ اﻟﻤﺰاﻳﺎ اﻟﻘﺼﻮى اﻟﻴﻮﻣﻴﺔ واﻟﺴﻨﻮﻳﺔ اﻟﻤﺘﻌﻠﻘﺔ ﺑﻬﺬه‬
.‫اﻟﺘﻐﻄﻴﺔ اﻻﺿﺎﻓﻴﺔ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬
‫ ﻋﺪم ﺗﻄﺒﻴﻖ ﻧﺴﺒﺔ اﻻﺳﺘﻬﻼك‬٥/٣/٢
‫ﺗﺴﺮي ﻫﺬه اﻟﺘﻐﻄﻴﺔ ﻋﻠﻰ اﻟﻤﺮﻛﺒﺎت ﺣﺘﻰ ﻋﻤﺮ ﻋﺎم واﺣﺪ ﻣﻦ ﺗﺎرﻳﺦ اﻟﺸﺮاء ﻣﻦ‬
‫اﻟﻮﻛﻴﻞ اﻻﺻﻠﻲ وﻓﻲ ﺣﺎل ﺗﻢ اﻋﺘﺒﺎر اﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ ﺧﺴﺎرة ﻛﻠﻴﺔ ﻛﻤﺎ ﻫﻮ‬
‫ﻣﺤﺪد ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ ﻓﻔﻲ ﺣﺎل أﺻﺒﺤﺖ اﻟﻤﻄﺎﻟﺒﺔ ﻣﺴﺘﺤﻘﺔ اﻟﺪﻓﻊ ﺳﻮف ﺗﺪﻓﻊ‬
.‫اﻟﺸﺮﻛﺔ ﻣﻘﺎﺑﻞ ﻣﺮﻛﺒﺔ ﺑﺪﻳﻠﺔ ﺟﺪﻳﺪ ﻣﻦ ﻧﻔﺲ اﻟﻤﻮدﻳﻞ‬
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
2.3.vi Agency Repair:
The policy can be extended to include an agency repair facility for the
insured vehicles up to maximum number of years old shown in your
schedule.
2.4 Other Coverages
2.4.i Emergency Medical Expenses:
The company will be subject to the limit of liability stated in the Policy
Schedule, pay the Insured the reasonable medical expenses incurred
in connection with any bodily injury by violent accidental, external
,and visible means sustained by the insured, the authorized driver, or
passenger of the vehicle insured under this policy, as the direct and
immediate result of an accident to the insured motor vehicle.
2.4.ii Towing and Protection:
If the vehicle insured under this policy is not drivable by reason of loss
or damage due to a covered peril, the company will be subject to the
Limits of Liability stated in the Policy Schedule, and bear the
reasonable cost of protection and removal to a safe place or to the
nearest approved workshop.
3 - General Exclusions for all Coverages
This policy doesn’t cover the following:
3/1 Any loss or damage that may occur to covered vehicle according
to the policy while it is outside the geographical region shown in the
schedule which may lead to official commitment to pay compensation
for the others or any consequent cost unless otherwise expressly
stated in the policy.
3/2 Any liability which attaches by virtue of an agreement but which
would not have attached in the absence of such agreement.
3/3 Any liability or expenses directly or indirectly caused by, or
arising from, or contributed by nuclear weapons material, ionizing
radiations or contamination by radioactivity from any nuclear fuel or
from any nuclear waste from the combustion of nuclear fuel for the
purpose of this exclusion combustion shall include any self-sustaining
process of nuclear fission.
3/4 Fines, guarantees, penalties, bonds being imposed on the insured
or the driver due to the accident.
3/5 The loss or damage that takes place to goods or personal
luggage while being carried, uploaded, or transported in/on the vehicle
unless it is mentioned explicitly in the policy or its attachments along
with clarifying how much it covers besides the participant’s payment
of an additional share to list it in the covering of the policy.
3/6 Any accident, damage, harm, or legal commitment to pay
compensations to the others concerning properties done on purpose
by the participant.
Al Rajhi Co. for Cooperative Insurance
: ‫ اﻻﺻﻼح ﻓﻲ اﻟﻮﻛﺎﻟﺔ‬٦/٣/٢
‫ﻳﻤﻜﻦ ﻟﻠﻤﺸﺘﺮك ﺗﻮﺳﻴﻊ ﻫﺬه اﻟﺘﻐﻄﻴﺔ ﺑﺤﻴﺚ ﺗﺸﻤﻞ اﻣﻜﺎﻧﻴﺔ اﻻﺻﻼح داﺧﻞ‬
‫اﻟﻮﻛﺎﻟﺔ ﺑﺎﻟﻨﺴﺒﺔ ﻟﻠﻤﺮﻛﺒﺎت اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ إﻟﻰ اﻟﺤﺪ ا®ﻗﺼﻰ ﻟﻌﺪد اﻟﺴﻨﻮات‬
.‫اﻟﻤﺒﻴﻦ ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ‬
‫ اﻟﺘﻐﻄﻴﺎت ا®ﺧﺮى‬٤/٢
:‫ ﻣﺼﺎرﻳﻒ اﻟﻌﻼج اﻟﻄﺎرﺋﺔ‬١/٤/٢
‫ﺗﻘﻮم اﻟﺸﺮﻛﺔ وﺑﺤﺪود اﻟﺘﻐﻄﻴﺔ اﻟﻤﺬﻛﻮرة ﻓﻲ ﺟﺪول اﻟﻮﺛﻴﻘﺔ ﺑﺪﻓﻊ ﻣﺼﺎرﻳﻒ‬
‫اﻟﻌﻼج اﻟﻤﻌﻘﻮﻟﺔ ﻟﻠﻤﺸﺘﺮك واﻟﺘﻲ ﺗﻨﺠﻢ ﻋﻦ أي إﺻﺎﺑﺔ ﺟﺴﺪﻳﺔ ﻣﺒﺎﺷﺮة ﻧﺘﻴﺠﺔ‬
‫ﺣﺎدث ﻣﺮوري ﻋﻨﻴﻒ واﻟﺘﻲ ﺗﻜﺒﺪﻫﺎ اﻟﻤﺸﺘﺮك أو اﻟﺴﺎﺋﻖ اﻟﻤﺮﺧﺺ أو اﻟﺮﻛﺎب وذﻟﻚ‬
.‫ﻟﻠﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻨﺔ‬
:‫ اﻟﺴﺤﺐ واﻟﺤﻤﺎﻳﺔ‬٢/٤/٢
‫إذا ﻛﺎﻧﺖ اﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻨﺔ ﺗﺤﺖ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻏﻴﺮ ﻗﺎﺑﻠﺔ ﻟﻠﻘﻴﺎدة ﻧﺘﻴﺠﺔ ﺣﺎدث‬
‫ﻣﻐﻄﻰ ﻓﻲ اﻟﻮﺛﻴﻘﺔ ﻓﺈن اﻟﺸﺮﻛﺔ ﻓﻲ ﺣﺪود اﻟﺘﻐﻄﻴﺔ اﻟﻤﺬﻛﻮرة ﻓﻲ ﺟﺪول‬
‫اﻟﻮﺛﻴﻘﺔ ﺳﺘﻘﻮم ﺑﺪﻓﻊ اﻟﻤﺒﺎﻟﻎ اﻟﻤﻌﻘﻮﻟﺔ ﻟﺤﻤﺎﻳﺔ اﻟﻤﺮﻛﺒﺔ وﻧﻘﻠﻬﺎ ﻟﻤﻜﺎن آﻣﻦ أو‬
.‫أﻗﺮب ورﺷﺔ ﻣﻌﺘﻤﺪة‬
‫ ﻟﺠﻤﻴﻊ اﻟﺘﻐﻄﻴﺎت‬- ‫ اﻻﺳﺘﺜﻨﺎءات اﻟﻌﺎﻣﺔ‬- ٣
:‫ﻻ ﺗﻐﻄﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻣﺎ ﻳﺄﺗﻲ‬
‫ أي ﺧﺴﺎرة أو ﺿﺮر ﻳﻠﺤﻖ ﺑﺎﻟﻤﺮﻛﺒﺔ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ ﺑﻤﻮﺟﺐ وﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ ﺧﺎرج‬١/٣
‫اﻟﻨﻄﺎق اﻟﺠﻐﺮاﻓﻲ اﻟﻤﺤﺪد ﻓﻲ اﻟﺠﺪول أي اﻟﺘﺰام ﻧﻈﺎﻣﻲ ﻳﺪﻓﻊ ﺗﻌﻮﻳﺾ ﻟﻠﻐﻴﺮ أو‬
.‫ ﻣﺎ ﻟﻢ ﻳﺬﻛﺮ ﺧﻼف ذﻟﻚ ﺻﺮاﺣﺔ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬- ‫أي ﺗﻜﻠﻔﺔ ﻧﺎﺟﻤﺔ ﻋﻦ اﻟﺤﺎدث‬
‫ أي اﻟﺘﺰام ﺑﺎﻟﺘﻐﻄﻴﺔ ﻳﻨﺸﺄ ﻋﻦ اﺗﻔﺎق ﺧﺎرج ﻧﻄﺎق ﻫﺬه اﻟﻮﺛﻴﻘﺔ أو ﻓﻲ ﺣﺎل ﻓﻘﺪان ﻧﺺ‬٢/٣
.‫ﺻﺮﻳﺢ ﻓﻲ اﻟﻮﺛﻴﻘﺔ ﻳﺨﻮﻟﻪ ﺑﺈﺑﺮام ذﻟﻚ اﻻﺗﻔﺎق اﻟﺬي ﻟﻮ ﻻه ﻟﻢ ﻳﻜﻦ ﻫﺬا اﻻﻟﺘﺰام ﺑﺎﻟﺘﻐﻄﻴﺔ‬
‫ أي اﻟﺘﺰام أو ﻧﻔﻘﺎت ﺗﻨﺘﺞ ﻋﻦ أو ﺗﻨﺸﺄ ﺑﺸﻜﻞ ﻣﺒﺎﺷﺮ أو ﻏﻴﺮ ﻣﺒﺎﺷﺮ ﻣﻦ ﻣﻮاد‬٣/٣
‫ا®ﺳﻠﺤﺔ اﻟﻨﻮوﻳﺔ أو اﻟﺸﻌﺎع اﻟﻤﺘﺄﻳﻦ أو اﻟﺘﻠﻮث اﻟﻨﺎﺗﺞ ﻋﻦ ﻧﺸﺎط إﺷﻌﺎﻋﻲ ﻣﻦ أي‬
‫وﻗﻮد ﻧﻮوي أو أي ﻧﻔﺎﻳﺎت ﻧﻮوﻳﺔ ﻧﺎﺟﻤﺔ ﻋﻦ اﺣﺘﺮاق وﻗﻮد ﻧﻮوي واﻻﻏﺮاض ﻫﺬا‬
.‫اﻻﺳﺘﺜﻨﺎء ﻓﺎن اﻻﺣﺘﺮاق ﻳﺸﻤﻞ ﻋﻤﻠﻴﺔ اﻻﻧﺸﻄﺎر اﻟﻨﻮوي اﻟﺬاﺗﻲ‬
‫ اﻟﻐﺮاﻣﺎت واﻟﻀﻤﺎﻧﺎت واﻟﺠﺰاءات اﻟﺘﻲ ﺗﻔﺮض ﻋﻠﻰ اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ أو‬٤/٣
.‫اﻟﺴﺎﺋﻖ ﻧﺘﻴﺠﺔ ﻟﻠﺤﺎدث‬
‫ اﻟﺨﺴﺎرة أو اﻟﻀﺮر اﻟﻠﺬان ُﻳﻠﺤﻘﺎن ﺑﺎﻟﺒﻀﺎﺋﻊ أو ا®ﻣﺘﻌﺔ اﻟﺸﺨﺼﻴﺔ أﺛﻨﺎء ﺣﻤﻠﻬﺎ‬٥/٣
‫أو ﻧﻘﻠﻬﺎ ﻓﻲ أو ﻋﻠﻰ اﻟﻤﺮﻛﺒﺔ ﻣﺎ ﻟﻢ ﺗُﺬﻛﺮ ﺻﺮاﺣﺔ ﻓﻲ اﻟﻮﺛﻴﻘﺔ أو ﻓﻲ ﻣﻼﺣﻘﻬﺎ ﻣﻊ‬
‫إﺿﺎﻓﻲ ﻋﻨﻬﺎ «دراﺟﻬﺎ ﻓﻲ‬
‫ﱟ‬ ‫ وﻗﻴﺎم اﻟﻤﺸﺘﺮك ﺑﺪﻓﻊ اﺷﺘﺮاك‬،‫ﺑﻴﺎن ﺣﺪود اﻟﺘﻐﻄﻴﺔ‬
.‫ﺗﻐﻄﻴﺔ اﻟﻮﺛﻴﻘﺔ‬
‫ أي ﺣﺎدث أو ﺗﻠﻒ أو ﺿﺮر أو ﻣﺴﺆوﻟﻴﺔ اﻟﺘﺰام ﻗﺎﻧﻮﻧﻲ ﺑﺪﻓﻊ ﺗﻌﻮﻳﻀﺎت ﻟﻠﻐﻴﺮ‬٦/٣
.‫ﻣﺘﻌﻤﺪ ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك‬
ّ ‫ﻧﺘﻴﺠﺔ ﻓﻌﻞ‬
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
4 - General Provisions for All Coverages ‫ ا®ﺣﻜﺎم اﻟﻌﺎﻣﺔ ﻟﺠﻤﻴﻊ اﻟﺘﻐﻄﻴﺎت‬- ٤

4.1 Commitment ‫ اﻻﻟﺘﺰام‬١/٤

In order to cover any claim for payments under this policy, it is a :‫ُﻳﻌﺪ ﺷﺮﻃ¯ أﺳﺎﺳﻴ¯ ﻟﺘﻐﻄﻴﺔ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ®ي ﻣﻄﺎﻟﺒﺔ ﻣﺎ ﻳﺄﺗﻲ‬
fundamental condition that:

a) The participant shall completely fulfill what is stated by the terms
of this policy to be done or not.
b) The ultimate correctness of all data and acknowledgement made
by the participant in this policy signed by him or his representative.
c) The participant shall notify the company in writing about any
substantial change he stated in the insurance application within a
period of ten working days. The company shall, in return, within a
period of three working days starting from receiving the said
notification, notify the participant in writing in case it refused to
cover the participant under this policy. If the participant did not
abide by the above said article, his claim for coverage shall be
terminated.
‫ﻼ ﺑﺎﻟﺘﺰاﻣﺎﺗﻪ ﺑﻤﻮﺟﺐ ﺷﺮوط ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬ً ‫وﻓﺎء ﻛﺎﻣ‬
ً ‫أ( أن ﻳﻔﻲ اﻟﻤﺸﺘﺮك‬
.‫وأﺣﻜﺎﻣﻬﺎ وﻣﻼﺣﻘﻬﺎ ﻣﻦ اﻟﻘﻴﺎم ﺑﻌﻤﻞ أو اﻻﻣﺘﻨﺎع ﻋﻨﻪ‬
‫ب( ﺻﺤﺔ ﺟﻤﻴﻊ اﻟﺒﻴﺎﻧﺎت وا«ﻗﺮارات اﻟﺼﺎدرة ﻋﻦ اﻟﻤﺸﺘﺮك ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
.‫ أو ﻣﻤﻦ ﻳﻨﻮب ﻋﻨﻪ‬،‫اﻟﻤﻮﻗﻌﺔ ﻣﻦ ﻗﺒﻠﻪ‬
‫ج( ﻳﻠﺘﺰم اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ ﺑﺈﺷﻌﺎر اﻟﺸﺮﻛﺔ ﻛﺘﺎﺑﻴ¯ ﺧﻼل ﻋﺸﺮة أﻳﺎم ﻋﻤﻞ ﻋﻦ‬
‫ وﻳﺠﺐ ﻋﻠﻰ اﻟﺸﺮﻛﺔ إﺷﻌﺎر‬،‫ﺻﺮح ﺑﻪ ﻓﻲ ﻧﻤﻮذج ﻃﻠﺐ اﻟﺘﺄﻣﻴﻦ‬ ‫ﺟﻮﻫﺮي ﱠ‬
‫ﱟ‬ ‫ﺗﻐﻴﻴﺮ‬
ٍ ‫أي‬
‫ﱢ‬
‫اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ ﺧﻼل ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ ﺗﺒﺪأ ﻣﻦ ﺗﺎرﻳﺦ ﺗﻠﻘﻴﻬﺎ ا«ﺷﻌﺎر‬
‫ وﻓﻲ ﺣﺎل ﻋﺪم‬.¯‫اﻟﻤﺬﻛﻮر ﻓﻲ ﺣﺎل رﻓﺾ ﺗﻐﻄﻴﺔ اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ ﺗﺄﻣﻴﻨﻴ‬
‫ﻓﺈن ذﻟﻚ ﺳﻮف ﻳﺆدي إﻟﻰ ﺳﻘﻮط ﺣﻘﻪ‬ ّ ‫اﻟﺘﺰام اﻟﻤﺸﺘﺮك ﺑﻤﺎ ﺟﺎء ﻓﻲ ﻫﺬه اﻟﻤﺎدة؛‬
.‫ﻓﻲ اﻟﻤﻄﺎﻟﺒﺔ ﺑﺎﻟﺘﻐﻄﻴﺔ‬

4.2 False or Inaccurate Declaration ‫ ﺗﺰﻳﻴﻒ أو ﻋﺪم دﻗﺔ ﺑﻴﺎﻧﺎت ا«ﻗﺮار‬٢/٤

The company, in its capacity as the manager of the participants’ fund,
shall not be committed to execute the terms of this policy. The
participant has no right to demand for fees paid by him if he advised
false data or concealed substantial information from the company at
the time of this policy signature or during the validity period of this
policy or its renewal.
‫ ﺑﺘﻨﻔﻴﺬ أﺣﻜﺎم ﻫﺬه‬- ‫ ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮ ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬- ‫ﻟﻦ ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ‬
‫ﻗﺪم ﺑﻴﺎﻧﺎت‬
‫ ﻛﻤﺎ ﻻ ﻳﺤﻖ ﻟﻠﻤﺸﺘﺮك أن ﻳﻄﺎﻟﺐ ﺑﺎﻟﺮﺳﻮم اﻟﻤﺪﻓﻮﻋﺔ ﻣﻨﻪ إذا ﱠ‬،‫اﻟﻮﺛﻴﻘﺔ‬
‫ أو ﻗﺎم ﺑﺈﺧﻔﺎء ﻣﻌﻠﻮﻣﺎت ﺟﻮﻫﺮﻳﺔ ﻋﻦ اﻟﺸﺮﻛﺔ ﻓﻲ وﻗﺖ اﻟﺘﻮﻗﻴﻊ ﻋﻠﻰ ﻫﺬه‬،‫ﻣﺰﻳﻔﺔ‬
.‫اﻟﻮﺛﻴﻘﺔ أو ﺧﻼل ﻓﺘﺮة ﺳﺮﻳﺎن ﻫﺬه اﻟﻮﺛﻴﻘﺔ أو ﺗﺠﺪﻳﺪﻫﺎ‬

4.3 Contractual Relationship ‫اﻟﺘﻘﻴﺪ ﺑﺸﺮوط اﻟﻮﺛﻴﻘﺔ‬

ّ ‫ اﻟﻌﻼﻗﺔ اﻟﺘﻌﺎﻗﺪﻳﺔ‬٣/٤
All articles in this policy and its attachments shall compose the ‫ﺗﺸﻜﻞ ﺟﻤﻴﻊ اﻟﻤﻮاد واﻟﺒﻨﻮد ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ وﻣﺮﻓﻘﺎﺗﻬﺎ اﻟﻌﻼﻗﺔ اﻟﺘﻌﺎﻗﺪﻳﺔ ﺑﻴﻦ‬
contractual relationship between the participant and the company, in ‫ﺳﻮاء‬
ً ‫أﻃﺮاف ﻫﺬه اﻟﻮﺛﻴﻘﺔ؛ وﻣﻊ ﻫﺬا ﻓﺈن ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻟﻦ ﺗﻐﻄﻲ أي ﺿﻤﺎن أو ﺑﻴﺎن‬
its capacity as the manager of the participant’s fund, along with the ‫وﺳﻮاء ﻛﺎن ذﻟﻚ ﻗﺒﻞ أو ﺑﻌﺪ‬
ً ّ
،‫ﻛﺘﺎﺑﻴ¯ ﻣﻘﺪم ﻣﻦ اﻟﺸﺮﻛﺔ أو وﻛﻴﻠﻬﺎ‬ ّ
‫ﺷﻔﻮﻳ¯ أو‬ ‫ﻛﺎن‬
remaining participants. This policy, however, will not cover any ‫إﺻﺪار ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻣﺎ ﻟﻢ ﻳﻜﻦ ذﻟﻚ اﻟﺒﻴﺎن ﻣﻨﺼﻮﺻ¯ ﻋﻠﻴﻪ ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
guarantee or statement, whether oral or in writing, offered by the ‫اﻟﺸﺨﺺ اﻟﻤﺴﺌﻮل أو اﻟﻮﺳﻴﻂ أو‬ ّ ‫اﻟﻤﻌﺘﻤﺪة أو أي ﻣﻠﺤﻖ ﺑﻬﺎ وﻣﻮﻗﻌ¯ ﻣﻦ ﻗﺒﻞ‬
company or its agent, and whether this was before issuing this policy .‫اﻟﻮﻛﻴﻞ اﻟﻤﻌﺘﻤﺪ ﻣﻦ اﻟﺸﺮﻛﺔ‬
or after, unless this statement which is signed by the official clerk, the
broker or the official agent approved from the company is set out in
this approved policy or in any of its attachments.

4.4 Non-Relinquishment ‫ ﻋﺪم اﻟﺘﻨﺎزل‬٤/٤

The participant is not entitled to relinquish this policy to any third .‫ﻻ ﻳﺤﻖ ﻟﻠﻤﺸﺘﺮك اﻟﺘﻨﺎزل ﻋﻦ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ®ي ﻃﺮف ﺛﺎﻟﺚ ﺑﺄي ﺣﺎل ﻣﻦ ا®ﺣﻮال‬
party in any way.

4.5 Policy Modification ‫ ﺗﻌﺪﻳﻞ اﻟﻮﺛﻴﻘﺔ‬٥/٤

Any modification in the articles of this policy or in any of its
attachments shall not be effective, unless it is duly signed by the
company’s approved representative with the approval of the
participant. The change or update, however, shall not be deemed
effective unless it is written on the official letterhead paper pertaining
to the company and duly signed by the official clerk, the broker or the
official approved company agent.
‫إن أي ﺗﻐﻴﻴﺮ ﻓﻲ ﻣﻮاد ﻫﺬه اﻟﻮﺛﻴﻘﺔ أو ﻓﻲ أي ﻣﻠﺤﻖ ﻟﻬﺎ ﻟﻦ ﻳﻜﻮن ﺳﺎري اﻟﻤﻔﻌﻮل‬
‫إﻻ إذا ﻛﺎﻧﺖ ﻫﺬه اﻟﺘﻐﻴﻴﺮات ﻣﻮﻗﻌ¯ ﻋﻠﻴﻬﺎ ﻣﻦ ﻗﺒﻞ ﻣﻤﺜﻞ اﻟﺸﺮﻛﺔ اﻟﻤﻌﺘﻤﺪ‬
‫ ﻛﻤﺎ أن إﺷﻌﺎرات اﻟﺘﺠﺪﻳﺪ ﻟﻦ ﺗﻜﻮن ﺻﺎﻟﺤﺔ إﻻ إذا ﻛﺎﻧﺖ ﻋﻠﻰ‬،‫وﺑﻤﻮاﻓﻘﺔ اﻟﻤﺸﺘﺮك‬
‫أوراق اﻟﺸﺮﻛﺔ اﻟﺮﺳﻤﻴﺔ واﻟﻤﻮﻗﻌﺔ ﻣﻦ ﻗﺒﻞ اﻟﻤﺴﺆول أو اﻟﻮﺳﻴﻂ أو اﻟﻮﻛﻴﻞ‬
.‫اﻟﻤﻌﺘﻤﺪ ﻣﻦ اﻟﺸﺮﻛﺔ‬

P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
4.6 Participant Rights Abatement:
a) If the participant applies any false claim or any claim aiming for
fraudulence or tried to obtain any of the benefits provided by this
policy through dishonest or fraudulent ways of any kind, then the
covering provided for this policy will be cancelled. In this case, all
the paid shares by the participant over the period of the effect date
of this policy till the discovery of manipulation and deception will be
non-refundable.
b) If the participant or his representative received an order or an
authorization from the company to fix the damages of his/her
vehicle but didn’t fix it within a year after receiving it.
c) If the participant or his representative reported to the company
about any accident to his vehicle then he stopped checking with the
company within a year since he reported this.
4.7 Laws and Regulations Amendments
In the event that laws, regulations or customs were partially or
completely amended, the company is entitled to modify this policy to
the extent needed to meet this amendment after notifying the
participant with this policy modification. This amendments, hereof,
include, but not limited to, levying any kind of taxes on contributions,
amounts pertaining to this policy, which shall affect badly the ability of
the company in the management and execution of this policy.
Furthermore, the policy shall be deemed valid only within a 30-day
term from the notification date, unless the participant is willing to
cancel it within the said term. If the participant, however, did not
cancel the policy within the said period, it would be considered an
implied approval from the participant about all modifications or any of
them.
4.8 Legal Validity
If any article in this policy relating to any person, property or
circumstances is considered legally invalid or inapplicable, the
remaining provisions shall not be affected and they will stay valid and
effective. Thus, each article or clause shall be deemed effective to the
limit of legality.
4.9 Participant Contributions
a) Renewal Contribution Changes: As soon as the first year
come to end, the company keeps its right to change the
contribution by notifying the participants in writing within a
minimum period of 30 days before the date of any change. Any
change, hereby, in the policy contribution shall be considered
effective from the validity date of this change.
b) Contribution Payment Method: The contribution shall
be paid by the participant to the participant’s fund in the way
defined by the company in writing.
c) Contribution Reception: Any payment related to any
contribution shall not be considered received unless a printed
signed receipt is issued by the official clerk, broker, or an official
agent of the company and delivered to the participant. Also
approved electronic payments are accepted.
d) Nonpayment of Contributions: If the participant did not
pay the entitled contribution within the time period stipulated and
agreed mutually and the company, hereby, did not receive the said
fee, this policy shall be deemed null and void.
Al Rajhi Co. for Cooperative Insurance
:‫ﺣﻖ اﻟﻤﺸﺘﺮك ﻓﻲ اﻟﻤﻄﺎﻟﺒﺔ ﺑﺎﻟﺘﻐﻄﻴﺔ‬ ّ ‫ ﺣﺎﻻت ﺳﻘﻮط‬٦/٤
‫ أو ﺣﺎول‬،‫ أو ﻣﻄﺎﻟﺒﺔ ﺑﻘﺼﺪ اﻻﺣﺘﻴﺎل‬،‫ﻗﺪم اﻟﻤﺸﺘﺮك أي ﻣﻄﺎﻟﺒﺔ ﻣﺰﻳﻔﺔ‬ ‫أ( إذا ﱠ‬
‫اﻟﺤﺼﻮل ﻋﻠﻰ أي ﻣﻦ اﻟﻤﺰاﻳﺎ اﻟﻤﻨﺼﻮص ﻋﻠﻴﻬﺎ ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻣﻦ ﺧﻼل‬
‫ أﻳ¯ ﻛﺎن ﻧﻮﻋﻬﺎ؛ ﻓﺈن اﻟﺘﻐﻄﻴﺔ اﻟﻤﻨﺼﻮص ﻋﻠﻴﻬﺎ‬- ‫ أو اﺣﺘﻴﺎﻟﻴﺔ‬،‫وﺳﺎﺋﻞ ﻏﻴﺮ أﻣﻴﻨﺔ‬
‫ وﻓﻲ ﻫﺬه اﻟﺤﺎﻟﺔ ﻓﺈن ﻛﻞ اﻻﺷﺘﺮاﻛﺎت اﻟﻤﺪﻓﻮﻋﺔ‬،‫ُﻌﺪ ﻣﻠﻐﺎة‬ ّ ‫ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺗ‬
‫ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك ﻃﻮال اﻟﻔﺘﺮة ﻣﻦ ﺗﺎرﻳﺦ ﺳﺮﻳﺎن ﻫﺬه اﻟﻮﺛﻴﻘﺔ وﺣﺘﻰ ﺗﺎرﻳﺦ‬
.‫اﻛﺘﺸﺎف اﻟﺘﻼﻋﺐ واﻟﺨﺪاع ﻣﻦ ﻗﺒﻞ اﻟﺸﺮﻛﺔ ﻟﻦ ﺗﻜﻮن ﻗﺎﺑﻠﺔ ﻟﻠﺮد‬
‫ أو ﺗﻔﻮﻳﻀ¯ ﻣﻦ اﻟﺸﺮﻛﺔ ﺑﺈﺻﻼح‬Ö‫ب( إذا اﺳﺘﻠﻢ اﻟﻤﺸﺘﺮك أو ﻣﻦ ﻳﻨﻮب ﻋﻨﻪ أﻣﺮ‬
‫ا®ﺿﺮار اﻟﺘﻲ ﻟﺤﻘﺖ ﺑﻤﺮﻛﺒﺘﻪ وﻟﻜﻨﻪ ﻟﻢ ﻳﻘﻢ ﺑﺈﺻﻼﺣﻬﺎ ﺧﻼل ﺳﻨﺔ ﻣﻦ ﺗﺎرﻳﺦ‬
.‫اﺳﺘﻼﻣﻪ ﻟﻠﺘﻔﻮﻳﺾ‬
‫ج( إذا ﻗﺎم اﻟﻤﺸﺘﺮك أو ﻣﻦ ﻳﻨﻮب ﻋﻨﻪ ﺑﺈﺑﻼغ اﻟﺸﺮﻛﺔ ﻋﻦ أي ﺣﺎدث ﺗﻌ ّﺮﺿﺖ ﻟﻪ‬
ً ‫ﻣﺮﻛﺒﺘﻪ ﺛﻢ اﻧﻘﻄﻊ ﻋﻦ ﻣﺮاﺟﻌﺔ اﻟﺸﺮﻛﺔ ﻋﺎﻣ¯ ﻛﺎﻣ‬
.‫ﻼ ﻣﻦ ﺗﺎرﻳﺦ ا«ﺑﻼغ‬
:‫ ﺗﻐﻴﻴﺮ ا®ﻧﻈﻤﺔ أو اﻟﻠﻮاﺋﺢ‬٧/٤
‫ﻼ ﻋﻠﻰ‬ً ‫ ﺷﺎﻣ‬- ‫ﻓﻲ ﺣﺎل ﺣﺼﻮل أي ﺗﻐﻴﻴﺮات ﻓﻲ ا®ﻧﻈﻤﺔ أو اﻟﻠﻮاﺋﺢ أو اﻟﺠﻤﺎرك‬
‫ ﻋﻠﻰ‬-‫أﻳ¯ ﻛﺎن ﻧﻮﻋﻬﺎ‬ ّ ‫ ﻓﺮض أي ﺷﻜﻞ ﻟﻠﻀﺮاﺋﺐ‬:‫ﺳﺒﻴﻞ اﻟﻤﺜﺎل وﻟﻴﺲ اﻟﺤﺼﺮ‬
‫اﻻﺷﺘﺮاﻛﺎت أو ا®ﻣﻮال اﻟﻤﺘﻌﻠﻘﺔ ﺑﺎﻟﻮﺛﻴﻘﺔ واﻟﺘﻲ ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﺆﺛﺮ ﺳﻠﺒ¯ ﻋﻠﻰ‬
‫ﻗﺪرة اﻟﺸﺮﻛﺔ ﻓﻲ ا«دارة واﻟﺘﻨﻔﻴﺬ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ؛ ﻓﺈﻧﻪ ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ‬
‫ﺗﻌﺪﻳﻞ اﻟﻮﺛﻴﻘﺔ إﻟﻰ أي ﺣﺪ ﺗﺘﻄﻠﺒﻪ ﺗﻠﻚ اﻟﺘﻐﻴﻴﺮات ﺑﻌﺪ إﺧﻄﺎر اﻟﻤﺸﺘﺮك ﺑﻬﺬا‬
‫ ﻳﻮﻣ¯ ﻣﻦ‬٣٠ ‫ﺑﺄن اﻟﻮﺛﻴﻘﺔ ﺗﻜﻮن ﺳﺎرﻳﺔ اﻟﻤﻔﻌﻮل ﺣﺘﻰ اﻧﺘﻬﺎء ﻣﺪة‬
ّ ¯‫ ﻋﻠﻤ‬،‫اﻟﺘﻌﺪﻳﻞ‬
‫ﻌﺪ ﻋﺪم‬ّ ‫ و ُﻳ‬،‫ وﺧﻼل ﻫﺬه اﻟﻤﺪة ﻳﻤﻜﻦ ﻟﻠﻤﺸﺘﺮك إﻟﻐﺎؤﻫﺎ‬،‫ﺗﺎرﻳﺦ إﺧﻄﺎر اﻟﻤﺸﺘﺮك‬
‫إﻟﻐﺎء اﻟﻮﺛﻴﻘﺔ أﺛﻨﺎء ﺗﻠﻚ اﻟﻤﺪة ﻣﻮاﻓﻘﺔ ﺿﻤﻨﻴﺔ ﻣﻦ اﻟﻤﺸﺘﺮك ﻋﻠﻰ ﻛﻞ اﻟﺘﻌﺪﻳﻼت‬
.‫أو أي ﻣﻨﻬﺎ‬
‫ ﻋﺪم ﺳﺮﻳﺎن اﻟﺒﻄﻼن‬٨/٤
‫إذا أﺻﺒﺤﺖ أي ﻣﺎدة ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻟﻬﺎ ﻋﻼﻗﺔ ﺑﺄي ﺷﺨﺺ أو ﻣﻤﺘﻠﻜﺎت أو ﻇﺮوف ﻏﻴﺮ‬
،‫ﺳﺎرﻳﺔ ﻧﻈﺎﻣ¯ أو ﻏﻴﺮ ﻗﺎﺑﻞ ﻟﻠﻨﻔﺎذ ﻓﺈن ﺑﺎﻗﻲ ﺷﺮوط ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻟﻦ ﺗﺘﺄﺛﺮ ﺑﺬﻟﻚ‬
.¯‫ وﺑﺬﻟﻚ ﻳﺴﺮي ﻛﻞ ﺷﺮط أو ﻧﺺ إﻟﻰ اﻟﺤﺪ اﻟﻤﺴﻤﻮح ﺑﻪ ﻧﻈﺎﻣ‬،ً‫وﺳﺘﻈﻞ ﺳﺎرﻳﺔً وﻧﺎﻓﺬة‬
:‫ اﺷﺘﺮاﻛﺎت اﻟﻤﺸﺘﺮك‬٩/٤
‫ ﺑﻌﺪ ﻣﺮور اﻟﻌﺎم ا®ول ﻣﻦ ﺗﺎرﻳﺦ اﻟﻮﺛﻴﻘﺔ؛ ﻓﺈن‬:‫أ( ﺗﻌﺪﻳﻞ ﻗﺴﻂ ﺗﺠﺪﻳﺪ اﻻﺷﺘﺮاك‬
‫ ﺗﺤﺘﻔﻆ ﺑﺎﻟﺤﻖ ﻓﻲ ﺗﻐﻴﻴﺮ‬- ‫ ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬- ‫اﻟﺸﺮﻛﺔ‬
ّ
¯‫ ﻳﻮﻣ‬٣٠ ‫ﺧﻄﻴ¯ ﺑﺤﺪ أدﻧﻰ‬ ‫ﻗﺴﻂ ﺗﺠﺪﻳﺪ اﻻﺷﺘﺮاك ﺑﻤﻮﺟﺐ إﺧﻄﺎر اﻟﻤﺸﺘﺮﻛﻴﻦ‬
‫ وﻳﺴﺮي أي ﺗﻐﻴﻴﺮ ﻓﻲ رﺳﻢ اﻻﺷﺘﺮاك ﻓﻲ اﻟﻮﺛﻴﻘﺔ ﻣﻦ‬،‫ﻗﺒﻞ ﺗﺎرﻳﺦ ﺑﺪاﻳﺔ أي ﺗﻐﻴﻴﺮ‬
.‫ﺗﺎرﻳﺦ ﺳﺮﻳﺎن ذﻟﻚ اﻟﺘﻐﻴﻴﺮ‬
‫ ﻳﺴﺪد اﻟﻤﺸﺘﺮك اﻻﺷﺘﺮاك إﻟﻰ اﻟﺸﺮﻛﺔ ﻟﺼﺎﻟﺢ‬:‫ب( ﻃﺮﻳﻘﺔ ﺳﺪاد اﻻﺷﺘﺮاك‬
.¯‫ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ وﻓﻘ¯ ﻟﻠﻄﺮﻳﻘﺔ اﻟﺘﻲ ﺗﺤﺪدﻫﺎ اﻟﺸﺮﻛﺔ ﻛﺘﺎﺑﻴ‬
‫ُﻌﺪ ﻣﺴﺘﻠﻤﺔ ﻣﻦ ﻗﺒﻞ‬
ّ ‫ أي دﻓﻌﺔ ﺗﺘﻌﻠﻖ ﺑﺄي اﺷﺘﺮاك ﻟﻦ ﺗ‬:‫ج( اﺳﺘﻼم اﻻﺷﺘﺮاك‬
‫اﻟﺸﺮﻛﺔ ﻣﺎ ﻟﻢ ﻳﺼﺪر إﻳﺼﺎل اﺳﺘﻼم ﻣﻄﺒﻮع وﻣﻮﻗﻊ ﻣﻦ ﻗﺒﻞ اﻟﺸﺨﺺ‬
،‫اﻟﻤﺴﺌﻮل أو اﻟﻮﺳﻴﻂ أو اﻟﻮﻛﻴﻞ اﻟﻤﻌﺘﻤﺪ ﻣﻦ اﻟﺸﺮﻛﺔ وﻳﺴﻠﻢ إﻟﻰ اﻟﻤﺸﺘﺮك‬
.‫وﺗﻌﺘﻤﺪ اﻳﻀ¯ اﻟﺪﻓﻌﺎت ا«ﻟﻜﺘﺮوﻧﻴﺔ اﻟﻤﻮﺛﻘﺔ‬
‫ إذا ﻟﻢ ﻳﻘﻢ اﻟﻤﺸﺘﺮك ﺑﺴﺪاد ﻣﺒﻠﻎ اﻻﺷﺘﺮاك‬:‫د( ﻋﺪم ﺳﺪاد اﻻﺷﺘﺮاﻛﺎت‬
،‫ وﻟﻢ ﺗﺘﺴﻠﻤﻪ اﻟﺸﺮﻛﺔ‬،‫اﻟﻤﺴﺘﺤﻖ ﺧﻼل اﻟﻔﺘﺮة اﻟﺰﻣﻨﻴﺔ اﻟﻤﺤﺪدة واﻟﻤﺘﻔﻖ ﻋﻠﻴﻬﺎ‬
.‫ﺗﻌﺪ ﻻﻏﻴﺔ‬
ð ‫ﻓﺈن ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
4.10 Statements, Information, and Notifications
Any statement, information, or notification which has to be sent in
accordance with this policy, shall be addressed in writing to both
parties addresses stated in this policy. The participant shall give notice
in writing to the company of any modification made to the vehicle,
within 10 working days, of such modification which might materially
affect the judgment of the company in deciding whether to accept the
risk or not and if decided to accept it may affect the terms on which
it will do so or contribution payable. This insurance shall cease from
the date of such modification unless the participant obtains the
agreement of the company in writing.
4.11 Jurisdiction and Applicable Law
a) Without violation to the Islamic Legislation Shari’ah Laws, any
dispute that arises in connection with this policy shall be subject to
the laws and regulations in force in the Kingdom of Saudi Arabia, and
it shall be settled by the Committees for Resolution of Insurance
Disputes and Violations set forth under Article No. 20 of the Law
on Supervision of Cooperative Insurance Companies, issued by
Royal Decree No. M/32 dated 2/6/1424H.
b) Any case arising in connection with this policy shall not be
looked into after three years from the occurrence of the incident of
which the parties concerned were informed, unless the
Committees for Resolution of Insurance Disputes and Violations is
satisfied with the reason for its consideration.
4.12 Company Written Approvals
The participant, or his representative, is not entitled to acknowledge,
offer, promise or pay any amount of money without the written
approval of the company.
4.13 Subrogation
Furthermore, the company, in its capacity as the manager of the
participant’s fund and on its discretion, to defend or compromise any
claim on behalf of the participant, and it shall be entitled as well to
claim for all amounts which cover damages, losses, accidents, liabilities
and so on.The company also has the ultimate discretion to render any
claim, compromise or coverage, the participant, hereby, shall provide
help and data required form him by the company.
4.14 Company Rights to Legal Proceedings
This policy shall not cover any amounts that results from any claim or
claims arising from an accident in accordance with article No. 2/2, set
forth in this policy, after paying the whole coverage amount which is
due under this article. Moreover, the company, in its capacity as the
manager of the participants’ fund, shall cease by then to render any
defense, compromise or lawsuits; and the policy, hereby, is not entitled
to cover expenses and charges of any kind which is assumed by the
participant, or any claims for coverage or any other party after ceasing
to render such issues by the company.
4.15 Company Rights to Relinquish Proceedings:
By choice, the company is entitled, in its capacity as the manager of the
participant’s funds to:
a) Represent the participant at any investigation or interrogation
that takes place pertaining to any claim under policy coverage.
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017
‫ ا«ﺧﻄﺎرات وا«ﺷﻌﺎرات‬١٠/٤
‫أي إﺧﻄﺎرات أو إﺷﻌﺎرات أو ﻣﻌﻠﻮﻣﺎت ﻳﺘﻌﻴﻦ إرﺳﺎﻟﻬﺎ وﻓﻘ¯ ﻟﻬﺬه اﻟﻮﺛﻴﻘﺔ ﻳﺠﺐ أن ﺗﻮﺟﻪ‬
Ö‫ﻳﻘﺪم اﻟﻤﺸﺘﺮك إﺷﻌﺎر‬ّ ‫ ﻳﺠﺐ أن‬.‫ﻛﺘﺎﺑﻴ¯ وﻋﻠﻰ ﻋﻨﻮان اﻟﻄﺮﻓﻴﻦ اﻟﻤﺒﻴﻦ ﻓﻲ اﻟﻮﺛﻴﻘﺔ‬
‫ وﻳﻤﻜﻦ أن‬،‫ﻴ¯ ﻟﻠﺸﺮﻛﺔ ﺧﻼل ﻋﺸﺮة أﻳﺎم ﻋﻤﻞ ﺑﺄي ﺗﻌﺪﻳﻼت ﺗﺤﺪث ﻋﻠﻰ اﻟﻤﺮﻛﺒﺔ‬ ّ ‫ﺧﻄ‬
ّ
‫ أو ﻗﺒﻮﻟﻪ‬،‫ﺗﺆﺛﺮ ﺑﺸﻜﻞ ﺟﻮﻫﺮي ﻓﻲ ﺗﻘﺪﻳﺮ اﻟﺸﺮﻛﺔ ﻓﻲ اﻟﺒﺖ ﻓﻲ ﻗﺒﻮل اﻟﺨﻄﺮ أو رﻓﻀﻪ‬
‫ وﺳﻮف ﺗﻨﺘﻬﻲ اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ‬.‫ﺑﺸﺮوط إﺿﺎﻓﻴﺔ ﻣﻊ دﻓﻊ ﻗﺴﻂ اﺷﺘﺮاك إﺿﺎﻓﻲ‬
‫اﺑﺘﺪاء ﻣﻦ ﺗﺎرﻳﺦ ﺣﺼﻮل ﺗﻠﻚ اﻟﺘﻌﺪﻳﻼت ﻣﺎ ﻟﻢ ﻳﺤﺼﻞ اﻟﻤﺸﺘﺮك ﻋﻠﻰ ﻣﻮاﻓﻘﺔ ﺧﻄﻴﺔ‬ ً
.‫ﻣﻦ اﻟﺸﺮﻛﺔ ﻋﻠﻰ ﻫﺬا اﻟﺘﻌﺪﻳﻞ‬
‫ اﻻﺧﺘﺼﺎص اﻟﻘﻀﺎﺋﻲ واﻟﻨﻈﺎم اﻟﻮاﺟﺐ اﻟﺘﻄﺒﻴﻖ‬١١/٤
‫ﻧﻈﻤﺔ واﻟﻠﻮاﺋﺢ اﻟﻤﻌﻤﻮل ﺑﻬﺎ ﻓﻲ‬Î‫أ( ﻳﺨﻀﻊ أي ﻧﺰاع ﻳﻨﺸﺄ ﻋﻦ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻟ‬
‫ وﺗﺨﺘﺺ‬،‫ ﺑﻤﺎ ﻻ ﻳﺨﺎﻟﻒ أﺣﻜﺎم اﻟﺸﺮﻳﻌﺔ ا«ﺳﻼﻣﻴﺔ‬- ‫اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ‬
‫ﺑﺎﻟﻔﺼﻞ ﻓﻴﻪ ﻟﺠﺎن اﻟﻔﺼﻞ ﻓﻲ اﻟﻤﻨﺎزﻋﺎت واﻟﻤﺨﺎﻟﻔﺎت اﻟﺘﺄﻣﻴﻨﻴﺔ اﻟﻤﻨﺼﻮص‬
‫ ﻣﻦ ﻧﻈﺎم ﻣﺮاﻗﺒﺔ ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ اﻟﺼﺎدر‬٢٠ ‫ﻋﻠﻴﻬﺎ ﻓﻲ اﻟﻤﺎدة رﻗﻢ‬
.‫ ﻫـ‬١٤٢٤/٦/٢ ‫ وﺗﺎرﻳﺦ‬٣٢ /‫ﺑﺎﻟﻤﺮﺳﻮم اﻟﻤﻠﻜﻲ رﻗﻢ م‬
‫ﻣﻀﻲ ﺛﻼث‬
ّ ‫ب( ﻟﻦ ﻳﺘﻢ اﻟﻨﻈﺮ ﻓﻲ أي دﻋﻮى ﻧﺎﺷﺌﺔ ﻋﻦ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺑﻌﺪ‬
‫ﺳﻨﻮات ﻋﻠﻰ ﺣﺪوث اﻟﻮاﻗﻌﺔ اﻟﺘﻲ ﻧﺸﺄت ﻋﻨﻬﺎ اﻟﺪﻋﻮى وﻋﻠﻢ ذوي اﻟﻤﺼﻠﺤﺔ‬
‫ﺑﺤﺪوﺛﻬﺎ ﻣﺎ ﻟﻢ ﻳﻜﻦ ﻫﻨﺎك ﻋﺬر ﺗﻘﺘﻨﻊ ﺑﻪ ﻟﺠﺎن اﻟﻔﺼﻞ ﻓﻲ اﻟﻤﻨﺎزﻋﺎت‬
.‫واﻟﻤﺨﺎﻟﻔﺎت اﻟﺘﺄﻣﻴﻨﻴﺔ‬
‫ ﺷﺮط اﻟﻤﻮاﻓﻘﺎت اﻟﻜﺘﺎﺑﻴﺔ ﻣﻦ اﻟﺸﺮﻛﺔ‬١٢/٤
‫®ي‬
ّ ‫ﻻ ﻳﺤﻖ ﻟﻠﻤﺸﺘﺮك أو ﻣﻦ ﻳﻨﻮب ﻋﻨﻪ أن ُﻳﻘﺮ أو َﻳ ْﻌﺮض أو َﻳ ِﻌﺪ أو ﻳﺪﻓﻊ أي ﻣﺒﻠﻎ ﻣﺎﻟﻲ‬
.‫ﻃﺮف ﻣﻦ دون اﻟﻤﻮاﻓﻘﺔ اﻟﻜﺘﺎﺑﻴﺔ ﻟﻠﺸﺮﻛﺔ‬
‫ اﻟﺤﻠﻮل ﻓﻲ اﻟﺤﻖ‬١٣/٤
- ‫ ﻣﺘﻰ رﻏﺒﺖ‬- ‫ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ أن ﺗﺘﻮﻟﻰ‬ ّ
‫ وﻳﻜﻮن ﻟﻬﺎ ﺣﻖ اﻟﻤﻼﺣﻘﺔ‬،‫ﻣﺒﺎﺷﺮة اﻟﺪﻓﺎع ﺑﺎﻟﻨﻴﺎﺑﺔ ﻋﻦ اﻟﻤﺸﺘﺮك وﺗﺴﻮﻳﺔ أي ﻣﻄﺎﻟﺒﺔ‬
‫ﺑﺎﻟﻨﻴﺎﺑﺔ ﻋﻦ اﻟﻤﺸﺘﺮك وﻟﻤﺼﻠﺤﺔ ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ ﺑﺸﺄن ﺟﻤﻴﻊ اﻟﺘﻐﻄﻴﺎت ﻋﻦ‬
‫ وﻳﻜﻮن ﻟﻬﺎ ﻣﻄﻠﻖ اﻟﺤﺮﻳﺔ ﻓﻲ ﻣﺒﺎﺷﺮة أي‬،‫اﻟﺤﻮادث وا®ﺿﺮار واﻟﻤﺴﺆوﻟﻴﺎت وﻧﺤﻮﻫﺎ‬
‫ وﻋﻠﻰ اﻟﻤﺸﺘﺮك ﺗﻘﺪﻳﻢ اﻟﻤﺴﺎﻋﺪة واﻟﺒﻴﺎﻧﺎت اﻟﺘﻲ ﺗﻄﻠﺒﻬﺎ‬،‫دﻋﻮى أو ﺗﺴﻮﻳﺔ أو ﺗﻐﻄﻴﺔ‬
.‫اﻟﺸﺮﻛﺔ ﻣﻨﻪ‬
‫ ﺣﻘﻮق اﻟﺸﺮﻛﺔ ﻓﻲ اﻟﺪﻋﺎوى اﻟﻘﺎﻧﻮﻧﻴﺔ‬١٤/٤
‫ أو ﻣﺠﻤﻮﻋﺔ ﻣﻄﺎﻟﺒﺎت ﻧﺎﺷﺌﺔ ﻋﻦ‬،‫ﻻ ﺗﻐﻄﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ اﻟﻤﺒﺎﻟﻎ اﻟﻨﺎﺗﺠﺔ ﻋﻦ أي ﻣﻄﺎﻟﺒﺔ‬
‫ ﻣﻦ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺑﻌﺪ دﻓﻊ ﻛﺎﻣﻞ ﻣﺒﻠﻎ اﻟﺘﻐﻄﻴﺔ‬٢/٢ ‫ﺣﺎدث ﺑﻤﻘﺘﻀﻰ اﻟﻤﺎدة‬
‫ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق‬- ‫ وﺗﻜﻒ اﻟﺸﺮﻛﺔ‬،‫اﻟﻤﺴﺘﺤﻖ ﺑﻤﻘﺘﻀﻰ ﻫﺬه اﻟﻤﺎدة‬
.‫ أو ﻣﻘﺎﺿﺎة‬،‫ أو ﺗﺴﻮﻳﺔ‬،‫ ﻋﻨﺪﻫﺎ ﻋﻦ ﻣﺒﺎﺷﺮة أي دﻓﺎع‬- ‫اﻟﻤﺸﺘﺮﻛﻴﻦ‬
‫ﻳﺪﻋﻰ اﻟﻤﺸﺘﺮك أﻧﻪ ﻗﺪ وﻗﻊ ﻟﻪ ﻧﺘﻴﺠﺔ ﻟﻤﺎ ﻗﺎﻣﺖ ﺑﻪ‬ ّ ‫ﻛﻤﺎ ﻻ ﺗﻐﻄﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ أي ﺿﺮر‬
‫ وﻻ ﺗﻜﻮن‬،‫ أو ﻣﺎ أﻏﻔﻠﺘﻪ ﻣﻦ أﻣﻮر اﻟﺪﻓﺎع واﻟﺘﺴﻮﻳﺔ واﻟﻤﻘﺎﺿﺎة‬،‫اﻟﺸﺮﻛﺔ ﻣﻦ أﻋﻤﺎل‬
‫ ﻛﻤﺎ ﻻ ﺗﻐﻄﻲ‬،‫اﻟﺸﺮﻛﺔ ﻛﺬﻟﻚ ﻣﺴﺆوﻟﺔ ﻋﻤﺎ ﻳﺘﺮﺗﺐ ﻣﻦ أﺿﺮار ﻧﺘﻴﺠﺔ ﻛﻔّ ﻬﺎ ﻋﻦ ذﻟﻚ‬
‫ واﻟﺘﻲ ﻳﺘﻜﺒﺪﻫﺎ اﻟﻤﺸﺘﺮك أو‬- ‫ ﻣﻬﻤﺎ ﻛﺎن ﻧﻮﻋﻬﺎ‬- ‫ واﻟﻤﺼﺎرﻳﻒ‬،‫ﻫﺬه اﻟﻮﺛﻴﻘﺔ اﻟﻨﻔﻘﺎت‬
.‫ﻛﻒ اﻟﺸﺮﻛﺔ ﻋﻦ ﻣﺒﺎﺷﺮة ﺗﻠﻚ ا®ﻣﻮر‬ ّ ‫أي ﻣﻄﺎﻟﺒﺎت ﺑﺎﻟﺘﻐﻄﻴﺔ أو أي ﺷﺨﺺ آﺧﺮ ﺑﻌﺪ‬
‫ﺣﻖ اﻟﺸﺮﻛﺔ ﻓﻲ اﻟﺘﻨﺎزل ﻋﻦ اﻟﺪﻋﺎوى اﻟﻘﺎﻧﻮﻧﻴﺔ‬ّ ١٥/٤
:‫ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ وﺣﺴﺐ اﺧﺘﻴﺎرﻫﺎ‬
‫أ( أن ﺗﺘﻮﻟﻰ ﺗﻤﺜﻴﻞ اﻟﻤﺸﺘﺮك ﻓﻲ أي ﺗﺤﻘﻴﻖ أو اﺳﺘﺠﻮاب ﻳﺘﻌﻠﻖ ﺑﺄي ُﻣﻄﺎﻟﺒﺔ‬
.‫ﻣﺸﻤﻮﻟﺔ ﺑﺎﻟﺘﻐﻄﻴﺔ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
Head Office: Platinum Centre,
3rd Floor, Setteen Street, Al Malaz
 b) Undertake defense proceedings for defending the Insured or the
driver before any judicial body against any allegation or accusation
related to an accident subject of indemnity under this policy.
4.16 Insured Cooperation
The participant shall help, facilitate and accept doing – on the account
of the participants’ fund – all necessary work that is required by the
company within the reasonable known limits, with the aim of
supporting rights and legal compensations as well as obtaining such
compensation, whether partial of complete, from third parties.
Moreover, the participant shall accept preparing every letter, claim, call
or any related matters which has been informed or transferred to the
company as soon as it receives it. The participant is also committed to
provide the company with a written notification as soon as his
awareness of any inquiries, claims, or substantial questionnaires
pertaining to any accident set forth in this article.
4.17 Cancellation/Termination
4.17.i Cancellation by the Participant
If a client requests to cancel his/their policy, the company shall obtain
an official/formal letter from the client for cancellation along with an
undertaking stating that there are no pending claims and he is aware
of the fact that Al Rajhi Takaful’s liability to pay any such claims shall
cease to attach from the date of cancellation. All original policy
documents and insurance certificates/cards if any, should also be
returned back to the company before canceling the policy. The client
must either retain TPL coverage (section 2.2) or produce evidence of
a TPL Coverage if a Comprehensive Policy has to be cancelled
without an acceptable reason as stated under.
Neither the company nor the insured shall have the right to cancel
Third Party Liability Insurance coverages under this policy after its
issuance, except in the following situations:
i. Cancellation of the vehicle registration.
ii. Transfer of ownership of the vehicle to another owner.
iii. The existence of an alternative insurance policy covering the
remaining period of the policy to be canceled.
The company shall refund the amount due from the remaining period
of the policy to the insured through IBAN within three business days
from the date of the company's knowledge of any of the cases
mentioned in the introduction to this item. The amount to be
returned to the insured shall be calculated for the elapsed period of
the whole coverage period then dividing the output by whole
coverage days then multiplying the output by the subscription minus
administrative fees 25 riyals max. The result is the remaining
subscription to be as follows: 365 - the elapsed days/365x subscription
after deducting administrative fees 25 riyals max=the remaining
subscription.
It is excluded from obligating the company to pay the remaining
contribution in the event of a claim relating to the policy to be
canceled and on the same vehicle, which value exceeds the value of
the amount to be returned according to the calculation method
above.
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017
‫ب( أن ﺗﺘﻮﻟﻰ إﺟﺮاءات اﻟﺪﻓﺎع ﻋﻦ اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ اﻟﻤﺼﺮح ﻟﻪ أﻣﺎم أي ﺟﻬﺔ‬
.‫ﻗﻀﺎﺋﻴﺔ ﻋﻦ أي اﺗﻬﺎم أو ادﻋﺎء ﻟﻪ ﺑﺄي ﺣﺎدث ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫ اﻟﺘﻌﺎون اﻟﻤﺸﺘﺮك‬١٦/٤
‫ ﻋﻠﻰ ﺣﺴﺎب ﺻﻨﺪوق‬- ‫وﻳﺴﻬﻞ وﻳﻘﺒﻞ‬ ّ ‫ﻳﺘﻌﻴﻦ ﻋﻠﻰ اﻟﻤﺸﺘﺮك أن ﻳﺴﺎﻋﺪ‬
‫ ﺑﺄداء ﻛﻞ ا®ﻋﻤﺎل اﻟﻀﺮورﻳﺔ اﻟﺘﻲ ﺗﻄﻠﺒﻬﺎ اﻟﺸﺮﻛﺔ ﺿﻤﻦ اﻟﺤﺪود‬- ‫اﻟﻤﺸﺘﺮﻛﻴﻦ‬
‫اﻟﻤﻌﻘﻮﻟﺔ اﻟﻤﺘﻌﺎرف ﻋﻠﻴﻬﺎ ﺑﻬﺪف دﻋﻢ وﺗﻌﺰﻳﺰ اﻟﺤﻘﻮق واﻟﺘﻌﻮﻳﻀﺎت اﻟﻨﻈﺎﻣﻴﺔ‬
‫ ﻓﺈن‬،‫ ﻋﻼوة ﻋﻠﻰ ذﻟﻚ‬.‫وﻛﺬﻟﻚ اﻟﺤﺼﻮل ﻋﻠﻰ اﻟﺘﻌﻮﻳﺾ اﻟﻜﻠﻲ أو اﻟﺠﺰﺋﻲ ﻣﻦ اﻟﻐﻴﺮ‬
‫اﻟﻤﺸﺘﺮك ﻳﻘﺒﻞ إﻋﺪاد أي ﺧﻄﺎب أو ﻣﻄﺎﻟﺒﺔ أو اﺗﺼﺎل أو أي أﻣﻮر ﺗﺘﻌﻠﻖ ﺑﻬﺎ واﻟﺘﻲ‬
‫ﺰود اﻟﺸﺮﻛﺔ‬
‫ ﻛﻤﺎ ﻳﻠﺘﺰم أﻳﻀ¯ ﺑﺄن ُﻳ ﱢ‬،‫أﺑﻠﻐﺖ أو ﺣﻮﻟﺖ اﻟﻰ اﻟﺸﺮﻛﺔ ﺑﻤﺠﺮد ﺗﺴﻠﻤﻬﺎ‬
‫ﺑﺈﺧﻄﺎر ﻛﺘﺎﺑﻲ ﺑﻤﺠﺮد ﻋﻠﻤﻪ ﺑﺄي اﺳﺘﻔﺴﺎرات أو ﻣﻄﺎﻟﺒﺎت أو اﺳﺘﻘﺼﺎءات ﺟﻮﻫﺮﻳﺔ‬
.‫ﺗﺘﻌﻠﻖ ﺑﺄي ﺣﺎدث ﻣﺬﻛﻮر ﻓﻲ ﻫﺬه اﻟﻤﺎدة‬
‫ا«ﻧﻬﺎء‬/‫ ا«ﻟﻐﺎء‬١٧/٤
‫ ا«ﻟﻐﺎء ﻣﻦ ﻗﺒﻞ اﻟﻤﺸﺘﺮك‬١/١٧/٤
‫ﺧﻄﻲ ﻣﻮ ّﻗﻊ ﻣﻦ ﻗﺒﻠﻪ؛ وﻳﺠﺐ‬
ّ ‫ﻳﺤﻖ ﻟﻠﻤﺸﺘﺮك إﻟﻐﺎء ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺑﻤﻮﺟﺐ إﺷﻌﺎر‬ ّ
‫ﺗﻌﻬﺪ اﻟﻤﺸﺘﺮك ﺑﻌﺪم وﺟﻮد ﻣﻄﺎﻟﺒﺎت‬ ّ ‫ﻟﻠﻤﻮﻇﻒ اﻟﻤﺨﺘﺺ ﻣﻊ‬ّ ‫ﺗﺴﻠﻴﻢ اﻟﺨﻄﺎب‬
‫ﺗﺎم ﺑﺄن اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﺳﻮف ﺗﺘﻮﻗﻒ ﻣﻨﺬ ﺗﺎرﻳﺦ‬
‫ﻋﻠﻢ ﱟ‬
ٍ ‫ وأﻧﻪ ﻋﻠﻰ‬،‫ﺗﺨﺼﻪ‬ّ ‫ﻣﻌ ّﻠﻘﺔ‬
‫ ﻛﻤﺎ ﻳﻠﺘﺰم اﻟﻤﺸﺘﺮك ﺑﺘﺴﻠﻴﻢ ﺟﻤﻴﻊ ﻣﺴﺘﻨﺪات اﻟﻮﺛﻴﻘﺔ ا®ﺻﻠﻴﺔ واﻟﺸﻬﺎدات‬،‫ا«ﻟﻐﺎء‬
‫ وﻓﻲ ﺣﺎل ﻛﺎﻧﺖ‬.‫ﺑﻄﺎﻗﺎت اﻟﺘﺄﻣﻴﻦ ﻗﺒﻞ إﻟﻐﺎء اﻟﻮﺛﻴﻘﺔ‬/‫ ﻛﺮوت‬،‫اﻟﻤﺘﻌﻠﻘﺔ ﺑﺎﻟﺘﺄﻣﻴﻦ‬
‫اﻟﻮﺛﻴﻘﺔ ﺗﻐﻄﻴﺔ ﺷﺎﻣﻠﺔ؛ ﻓﺈﻧﻪ ﻳﺠﺐ ﻋﻠﻰ اﻟﻤﺸﺘﺮك إﻣﺎ اﻻﺣﺘﻔﺎظ ﺑﺎﻟﺘﻐﻄﻴﺔ اﻟﺘﻜﺎﻓﻠﻴﺔ‬
‫دﻟﻴﻞ ﻋﻠﻰ وﺟﻮد‬
ٍ ‫ أو ﺗﻘﺪﻳﻢ‬٢/٢‫ﻟﻤﺎ ﻗﺪ ﻳﺘﺴﺒﺐ ﻣﻦ ﺿﺮر ﻟﻠﻐﻴﺮ ﻛﻤﺎ ﻓﻲ اﻟﻘﺴﻢ‬
‫ﺗﻐﻄﻴﺔ ﺗﺄﻣﻴﻨﻴﺔ ﺑﺪﻳﻠﺔ ﻋﻦ ﻣﺴﺆوﻟﻴﺘﻪ ﻋﻦ أي ﺿﺮر ﻳﻤﻜﻦ أن ﻳﺘﺴﺒﺐ ﺑﻪ ﻟﻠﻐﻴﺮ‬
.‫ﺑﺎﻟﻤﺮﻛﺒﺔ اﻟﺘﻲ ُﻳﺮاد إﻟﻐﺎء اﻟﺘﺄﻣﻴﻦ ﻋﻠﻴﻬﺎ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫ ﻻ ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ وﻻ ﻟﻠﻤﺆﻣﻦ ﻟﻪ إﻟﻐﺎء ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺑﻌﺪ إﺻﺪارﻫﺎ إﻻ ﻓﻲ أي ﻣﻦ‬:‫ا«ﻟﻐﺎء‬
‫ﺗﻴﺔ‬Ï‫اﻟﺤﺎﻻت ا‬
.‫( إﺳﻘﺎط ﺳﺠﻞ اﻟﻤﺮﻛﺒﺔ‬١
.‫( اﻧﺘﻘﺎل ﻣﻠﻜﻴﺔ اﻟﻤﺮﻛﺒﺔ إﻟﻰ ﻣﺎﻟﻚ آﺧﺮ‬٢
.‫( وﺟﻮد وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ ﺑﺪﻳﻠﺔ ﺗُﻐﻄﻲ اﻟﻔﺘﺮة اﻟﻤﺘﺒﻘﻴﺔ ﻣﻦ اﻟﻮﺛﻴﻘﺔ اﻟﻤﺰﻣﻊ إﻟﻐﺎؤﻫﺎ‬٣
‫ﻋﻠﻰ أن ﺗﻘﻮم اﻟﺸﺮﻛﺔ ﺑﺈﻋﺎدة اﻟﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ ﻋﻦ اﻟﻤﺪة اﻟﻤﻨﻘﻀﻴﺔ ﻣﻦ اﻟﻮﺛﻴﻘﺔ‬
‫ وذﻟﻚ ﺧﻼل ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ ﻣﻦ ﺗﺎرﻳﺦ ﻋﻠﻢ اﻟﺸﺮﻛﺔ‬،IBAN ‫إﻟﻰ اﻟﻤﺆﻣﻦ ﻟﻪ ﻣﻦ ﺧﻼل‬
‫ وﻳﺤﺘﺴﺐ اﻟﻤﺒﻠﻎ إﻋﺎدﺗﻪ‬،‫ﺑﺤﺪوث أي ﻣﻦ اﻟﺤﺎﻻت اﻟﻤﺬﻛﻮرة ﻓﻲ ﻣﻘﺪﻣﺔ اﻟﻔﻘﺮة‬
‫ﻟﻠﻤﺆﻣﻦ ﻟﻪ ﻋﻦ اﻟﻤﺪة اﻟﻤﻨﻘﻀﻴﺔ ﻣﻦ ﻓﺘﺮة اﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﻛﺎﻣﻠﺔ ﺛﻢ ﻗﺴﻤﺔ‬
‫ﻣﺨﺼﻮﻣﺎ ﻣﻦ اﻟﺮﺳﻮم‬
ً ‫اﻟﻨﺎﺗﺞ ﻋﻠﻰ ﻋﺪد أﻳﺎم اﻟﺘﻐﻄﻴﺔ ﻛﺎﻣﻠﺔ وﺿﺮب اﻟﻨﺎﺗﺞ ﺑﺎﻻﺷﺘﺮاك‬
‫ وﻳﻜﻮن اﻟﻨﺎﺗﺞ ﻫﻮ اﻻﺷﺘﺮاك اﻟﻤﺘﺒﻘﻲ ﻟﺘﻜﻮن‬.‫ رﻳﺎﻻً ﻛﺤﺪ أﻗﺼﻰ‬٢٥ ‫ا«دارﻳﺔ ﻣﺒﻠﻎ‬
‫ اﻻﺷﺘﺮاك ﺑﻌﺪ ﺧﺼﻢ اﻟﺮﺳﻮم ا«دارﻳﺔ‬x ٣٦٥ / ‫ ا®ﻳﺎم اﻟﻤﺴﺘﻬﻠﻜﺔ‬-٣٦٥ :‫ﺗﻲ‬Ï‫ﻛﺎ‬
.‫ رﻳﺎﻻً ﻛﺤﺪ اﻗﺼﻰ = اﻻﺷﺘﺮاك اﻟﻤﺘﺒﻘﻲ‬٢٥ ‫ﻣﺒﻠﻎ‬
– ‫وﻳﺴﺘﺜﻨﻰ ﻣﻦ إﻟﺰام اﻟﺸﺮﻛﺔ ﺑﺪﻓﻊ اﻻﺷﺘﺮاك اﻟﻤﺘﺒﻘﻲ ﻓﻲ ﺣﺎل وﺟﻮد ﻣﻄﺎﻟﺒﺔ‬
‫اﻟﻤﺰﻣﻊ إﻟﻐﺎؤﻫﺎ وﻋﻠﻰ ذات اﻟﻤﺮﻛﺒﺔ – ﺗﺰﻳﺪ ﻗﻴﻤﺘﻬﺎ ﻋﻦ ﻗﻴﻤﺔ‬
ُ ‫ﻣﺘﻌﻠﻘﺔ ﺑﺎﻟﻮﺛﻴﻘﺔ‬
‫ وﺑﺎﻟﺮﻏﻢ ﻣﻤﺎ ﺗﻘﺪم ﺗﻈﻞ‬.‫اﻟﻤﺒﻠﻎ اﻟﻤﻔﺘﺮض إﻋﺎدﺗﻪ وﻓﻖ ﻃﺮﻳﻘﺔ اﻟﺤﺴﺎب أﻋﻼه‬
‫اﻟﺸﺮﻛﺔ واﻟﻤﺆﻣﻦ ﻟﻪ واﻟﺴﺎﺋﻖ ﻣﻠﺘﺰﻣﻴﻦ ﺑﺄﺣﻜﺎم ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﺑﺸﺄن اﻻﻟﺘﺰاﻣﺎت‬
.‫اﻟﻨﺎﺷﺌﺔ ﻗﺒﻞ إﻟﻐﺎﺋﻬﺎ‬
Head Office: Platinum Centre,
3rd Floor, Setteen Street, Al Malaz
Not withstanding the foregoing, the company, the insured, and the
driver shall remain bound by the provisions of this policy in respect of
obligations arising prior to cancellation.
4.17-ii Cancellation by the Company
The company has the right to cancel owned damage coverage of the
policy – while it benefits the Takaful fund- and inform the participant
in writing 30 days before the cancelation date. The company is obliged
to refund the remaining period amount in a prorate basis.
4.18 Multiple Insurances
If the vehicle is covered by the same kind of insurance from more than
one company, this policy will include coverage of only a partial
payment of the compensation, expenses, or fees value equivalent to
proportion between the insurance amount and the total of all other
insurance amounts. However, if there is another kind of insurance
providing coverage to the liability or the expenses itself e.x:
Comprehensive Insurance Policy, this policy will be entitled to cover
the liability or expenses towards third parties. Moreover, the company,
in its capacity as the participant’s fund manager, is entitled to
represent the participant the insured in claiming other insurance
companies to pay their proportion in this claim.
4.19 Policy Considerations
a) This policy, schedule, general terms, specific terms, sureties,
exceptions, and attachments shall all be defined as policy articles
and it shall be read and explained as a single agreement. Any word
or term, herein, which is given a special definition at any part of it,
shall have the same definition in the whole agreement.
b) Unless stated otherwise in the text, the singular also refers to
plural and vice versa, and masculine also refers to feminine
wherever stated in the policy clauses.
c) Any reference to day, month, year, or other periods shall be
defined as per the Gregorian Calendar unless stated in the policy or
its riders as driver’s age.
d) In case of any dispute, the Arabic text is the only text deemed
approved.
4.20 Policy Issuance and Renewal Notification
The company may not issue this policy if it is not electronically linked
with the system of the company which is authorized by SAMA to
gather, archive, and exchange insurance data. The company shall notify
the insured of the expiry date of the policy twenty days prior to the
expiry date, so that it can be renewed.
Al Rajhi Co. for Cooperative Insurance
‫ ا«ﻟﻐﺎء ﻣﻦ ﻗﺒﻞ اﻟﺸﺮﻛﺔ‬٤/١٧/٢
-‫ ﺣﺴﺐ ﻣﺎ ﺗﺮاه ﻣﺤﻘّ ﻘ¯ ﻟﻤﺼﻠﺤﺔ ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬- ‫ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ إﻟﻐﺎء اﻟﻮﺛﻴﻘﺔ‬ ّ
ّ
- ‫ وﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ‬،‫ ﻳﻮﻣ¯ ﻣﻦ ﺗﺎرﻳﺦ ا«ﻟﻐﺎء‬٣٠ ‫ﻛﺘﺎﺑﻴ¯ ﻗﺒﻞ‬ ‫وذﻟﻚ ﺑﻌﺪ إﺷﻌﺎر اﻟﻤﺸﺘﺮك‬
‫ ﺑﺈﻋﺎدة اﻟﺠﺰء اﻟﻤﺘﺒﻘﻲ ﻣﻦ رﺳﻮم اﻻﺷﺘﺮاك‬-‫ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ‬
.‫ﻟﻠﻤﺸﺘﺮك ﻋﻠﻰ أﺳﺎس اا®ﻳﺎم اﻟﻤﺘﺒﻘﻴﺔ ﻣﻦ ﻓﺘﺮة اﻟﻮﺛﻴﻘﺔ ﺑﻌﺪ ا«ﻟﻐﺎء‬
‫ اﻟﺘﺄﻣﻴﻦ اﻟﻤﺘﻌﺪد‬١٨/٤
‫ وﺗﺒﻴﻦ وﺟﻮد وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ أﺧﺮى ﺗﻐﻄﻲ‬،‫إذا ﻧﺸﺄت أي ﻣﻄﺎﻟﺒﺔ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫ﻧﻔﺲ اﻟﺨﺴﺎرة أو اﻟﻔﻘﺪ أو اﻟﺘﻠﻒ أو اﻟﻨﻔﻘﺎت أو اﻟﺘﻌﻮﻳﻀﺎت اﻟﺘﻲ ﻳﻠﺘﺰم اﻟﻤﺸﺘﺮك‬
‫ﻧﻈﺎﻣ¯ ﺑﺪﻓﻌﻬﺎ ﻟﻠﻐﻴﺮ؛ ﻓﺈن ﺗﻐﻄﻴﺔ ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻟﻦ ﺗﺸﻤﻞ أي ﻣﺒﻠﻎ ﻳﺘﺠﺎوز اﻟﺤﺼﺔ‬
‫وﻳﺘﻢ‬
ّ ،‫اﻟﻨﺴﺒﻴﺔ ﻣﻦ أي ﺧﺴﺎرة أو ﺗﻜﺎﻟﻴﻒ أو ﻧﻔﻘﺎت ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺘﻠﻚ اﻟﺨﺴﺎرة‬
‫ﺗﺤﺪﻳﺪ ﺗﻠﻚ اﻟﺤﺼﺔ اﻟﻨﺴﺒﻴﺔ ﺑﺎﻟﻔﺮق ﺑﻴﻦ ﻣﺒﻠﻎ اﻟﺘﺄﻣﻴﻦ اﻟﻤﺤﺪد ﻓﻲ اﻟﺠﺪول وإﺟﻤﺎﻟﻲ‬
‫ ﻋﻠﻤ¯ ﺑﺄﻧﻪ ﻟﻴﺲ ﻓﻲ ﻫﺬا اﻟﺸﺮط ﺑﺎﻟﺮﻏﻢ ﻣﻦ وﺟﻮده ﻣﺎ‬.‫ﻛﺎﻓﺔ ﻣﺒﺎﻟﻎ اﻟﺘﺄﻣﻴﻦ ا®ﺧﺮى‬
.‫ﻳﻔﺮض أن ﺗُﻐﻄﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ أي اﻟﺘﺰام ﻏﻴﺮ ﻣﺸﻤﻮل ﺑﺎﻟﺘﻐﻄﻴﺔ ﻓﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫وﻟﻠﺸﺮﻛﺔ ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ ﺣﻖ ﺗﻤﺜﻴﻞ اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ‬
.‫ﻓﻲ ﻣﻄﺎﻟﺒﺔ ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ ا®ﺧﺮى ﺑﺪﻓﻊ ﻧﺴﺒﺘﻬﺎ ﻓﻲ ﻫﺬه اﻟﻤﻄﺎﻟﺒﺔ‬
‫ ﻗﻮاﻋﺪ اﻟﺘﻔﺴﻴﺮ‬١٩/٤
‫أ( ﻫﺬه اﻟﻮﺛﻴﻘﺔ واﻟﺠﺪول واﻟﺸﺮوط اﻟﻌﺎﻣﺔ واﻟﺸﺮوط اﻟﺨﺎﺻﺔ واﻟﻀﻤﺎﻧﺎت‬
‫ ﺗُﻌﺮف ﺟﻤﻴﻌﻬﺎ ﺑﺎﺳﻢ ﻣﻮاد اﻟﻮﺛﻴﻘﺔ وﻫﻲ ﺗﻘﺮأ‬،‫واﻻﺳﺘﺜﻨﺎءات وﻛﺎﻓﺔ اﻟﻤﺮﻓﻘﺎت‬
‫ ﺳﻮف‬،‫ وأي ﻛﻠﻤﺔ أو ﺗﻌﺒﻴﺮ ﻓﻴﻬﺎ ﻟﻪ ﻣﻌﻨﻰ ﺧﺎص ﻓﻲ أي ﺟﺰء ﻣﻨﻬﺎ‬،‫ﻛﻌﻘﺪ واﺣﺪ‬
.¯‫ﻳﺤﻤﻞ ﻧﻔﺲ اﻟﻤﻌﻨﻰ ﻓﻴﻬﺎ ﺟﻤﻴﻌ‬
‫اﻟﻨﺺ إﻟﻰ ﺧﻼف ذﻟﻚ؛ ﻓﺈن اﻟﻤﻔﺮد ﺣﻴﺜﻤﺎ ذﻛﺮ ﻓﻲ ﺑﻨﻮد ﻫﺬ اﻟﻮﺛﻴﻘﺔ‬
ّ ‫ب( ﻣﺎ ﻟﻢ ﻳﺸﺮ‬
‫أن اﻟﻌﺒﺎرات اﻟﺪاﻟﺔ ﻋﻠﻰ اﻟﻤﺬﻛﺮ ﺗﺸﻤﻞ‬ّ ‫ ﻛﻤﺎ‬،‫ﻳﺸﻤﻞ اﻟﺠﻤﻊ واﻟﻌﻜﺲ ﺻﺤﻴﺢ‬
.‫اﻟﻤﺆﻧﺚ‬
¯‫ج( إن أي إﺷﺎرة إﻟﻰ اﻟﻴﻮم أو اﻟﺸﻬﺮ أو اﻟﺴﻨﺔ أو ﻓﺘﺮة زﻣﻨﻴﺔ أﺧﺮى ﺗﺘﺤﺪد وﻓﻘ‬
.‫ ﻋﻤﺮ اﻟﺴﺎﺋﻖ‬:‫ﻟﻠﺘﻘﻮﻳﻢ اﻟﻤﻴﻼدي ﻣﺎ ﻟﻢ ﻳﺬﻛﺮ ﺧﻼف ذﻟﻚ ﺻﺮاﺣﺔ ﻣﺜﻞ‬
.‫ﻓﺈن اﻟﻨﺺ اﻟﻌﺮﺑﻲ ﻫﻮ اﻟﻨﺺ اﻟﻤﻌﺘﻤﺪ ﻓﻘﻂ‬
ّ ‫د( ﻓﻲ ﺣﺎل وﺟﻮد أي اﺧﺘﻼف أو ﻧﺰاع؛‬
‫ إﺻﺪار اﻟﻮﺛﻴﻘﺔ وا«ﺷﻌﺎر ﺑﺎﻟﺘﺠﺪﻳﺪ‬٢٠/٤
‫ﻻ ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ إﺻﺪار ﻫﺬه اﻟﻮﺛﻴﻘﺔ ﻣﺎﻟﻢ ﺗﻜﻦ ﻣﺮﺗﺒﻄﺔ أﻟﻴ¯ ﺑﻨﻈﺎم اﻟﺸﺮﻛﺔ اﻟﺤﺎﺻﻠﺔ‬
،‫ﻋﻠﻰ ﻣﻮاﻓﻘﺔ اﻟﻤﺆﺳﺴﺔ ﺑﺘﻘﺪﻳﻢ ﺧﺪﻣﺔ ﺟﻤﻊ وﺣﻔﻆ وﺗﺒﺎدل اﻟﻤﻌﻠﻮﻣﺎت اﻟﺘﺄﻣﻴﻨﻴﺔ‬
‫وﻳﺠﺐ ﻋﻠﻰ اﻟﺸﺮﻛﺔ إﺷﻌﺎر اﻟﻤﺆﻣﻦ ﻟﻪ ﻗﺒﻞ ﻣﻮﻋﺪ ﺗﺎرﻳﺦ اﻧﺘﻬﺎء اﻟﻮﺛﻴﻘﺔ ﺑﻌﺸﺮﻳﻦ‬
.‫ﻳﻮم ﻋﻤﻞ ﻟﻴﺘﻤﻜﻦ ﻣﻦ ﺗﺠﺪﻳﺪﻫﺎ أو اﻟﺤﺼﻮل ﻋﻠﻰ ﻋﻠﻰ وﺛﻴﻘﺔ ﻣﻦ ﺷﺮﻛﺔ أﺧﺮى‬
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
5 - Claim Settlement Procedure
5.1 Notification and Documentation:
The insured should communicate the loss or damage to the company
within 90 days from the date of the accident. Otherwise acceptance
of own damage claims may not be guaranteed unless acceptable
justification is provided. Upon receiving any claim, the company shall
be committed to provide the claimant with a receipt acknowledging
its receipt and informing the claimant of any missing documents,
within 3 days for individual and 9 days for corporate from receiving
the claim. It may also appoint an assessor or loss adjuster, if necessary,
within a period of no more than 3 days for individual and 9 days for
corporate from receiving the claim.
5.2 Settlement Period for Third Party Claimants:
The company shall settle claims in a fair and impartial manner within
a maximum period of 15 Hijri days for individuals, and 45 Hijri days for
companies from the date of receipt of the completed claim from the
claimant. If the claim is based on an enforceable judgment provided by
the claimant or the insurer has notified the company, the company is
committed to the above.
5.3 Notification About the Claim Status:
The company shall be committed to inform the claimant in writing of
its acceptance or rejection of the claim. In case of acceptance, in
whole or in part, the company must clarify the amount of indemnity,
and how it was reached.
The company shall settle and pay the insurance claims by depositing
the amount of compensation in the beneficiary's bank account
directly through the IBAN.
Subject to the periods specified in paragraphs 1.2 of this article, the
company shall settle the claim in case the claim is submitted after the
repair of the vehicle. The claimant shall provide the company with the
actual invoices for repair, provided that the accident is directly
handled by the authorized authorities and the company is provided
with damage report after the accident and before repair.
If the company fails to settle the claim within that prescribed period
without statutory reasons, the claimant shall be entitled to file a
complaint through SAMA Care www.samacasres.sa or file a petition
of dispute at the Committees for Resolution of Insurance Disputes
and Violations.
In case of Rejection, the Company Shall:
a) Provide the claimant with the reasons for rejection.
b) Inform the claimant of his right to file a complaint of his case on
SAMA Care website www.Samacasres.sa, or file a petition of his
case to the Committees for Resolution of Insurance Disputes and
Violations according to Article 20 of the Law on Supervision of
Cooperative Insurance Companies, so as to be considered by those
committees.
c) Provide the claimant, upon his request, with copies of documents
in support of the company’s decision.
Al Rajhi Co. for Cooperative Insurance
‫ إﺟﺮاءات ﺗﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت‬- ٥
:‫ ا«ﺧﻄﺎر واﻟﻤﺴﺘﻨﺪات‬١/٥
‫ ﻳﻮﻣ¯ ﻣﻦ ﺗﺎرﻳﺦ اﻟﺤﺎدث‬٩٠ ‫ﻳﺠﺐ ﻋﻠﻰ اﻟﻤﺸﺘﺮك اﻟﻤﺆﻣﻦ ﻟﻪ إﺑﻼغ اﻟﺸﺮﻛﺔ ﺧﻼل ﻓﺘﺮة‬
‫ﻓﺈن اﻟﻤﻄﺎﻟﺒﺔ‬
ّ ‫ﺑﺄي ﺧﺴﺎرة أو ﺿﺮر ﻳﻠﺤﻖ ﺑﺎﻟﻤﺮﻛﺒﺔ؛ وﻓﻲ ﺣﺎل ﻋﺪم اﻟﺘﺰاﻣﻪ ﺑﺬﻟﻚ؛‬
‫ ﻣﻘﺒﻮﻻً ﻣﻦ‬Ö‫ﻳﻘﺪم اﻟﻤﺸﺘﺮك ﻣﺒ ّﺮر‬
ّ ‫ ﻣﺎ ﻟﻢ‬،‫ﺑﺎﻟﺘﻐﻄﻴﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﺳﻮف ﺗﻜﻮن ﻣﺮﻓﻮﺿﺔ‬
‫ﺗﺰود ﻣﻘﺪﻣﻬﺎ ﺑﻤﺎ ُﻳﻔﻴﺪ‬ّ ‫ ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﻋﻨﺪ ﺗﻠﻘﻲ أي ﻣﻄﺎﻟﺒﺔ ﺑﺄن‬.‫ﻗﺒﻞ اﻟﺸﺮﻛﺔ‬
‫ﻓﺮاد وﺗﺴﻌﺔ أﻳﺎم‬Î‫ وإﻋﻼﻣﻪ ﺑﺄي ﻧﻮاﻗﺺ ﺧﻼل ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ ﻟ‬،‫اﺳﺘﻼﻣﻬﺎ ﻟﻠﻤﻄﺎﻟﺒﺔ‬
‫ وﻟﻠﺸﺮﻛﺔ ﺗﻌﻴﻴﻦ ﺧﺒﻴﺮ ﻣﻌﺎﻳﻨﺔ أو ﻣﻘﺪر‬،‫ﻋﻤﻞ ﻟﻠﺸﺮﻛﺎت ﻣﻦ ﺗﻠﻘﻴﻬﺎ اﻟﻤﻄﺎﻟﺒﺔ‬
‫ﻓﺮاد وﺗﺴﻌﺔ‬Î‫ﺧﺴﺎﺋﺮ إذا ﻛﺎن ﺿﺮور ًﻳﺎ ﺧﻼل ﻣﺪة زﻣﻨﻴﺔ ﻻ ﺗﺘﺠﺎوز ﺛﻼﺛﺔ أﻳﺎم ﻋﻤﻞ ﻟ‬
.‫أﻳﺎم ﻋﻤﻞ ﻟﻠﺸﺮﻛﺎت ﻣﻦ ﺗﺎرﻳﺦ اﺳﺘﻼم اﻟﻤﻄﺎﻟﺒﺔ‬
:‫اﻟﻤﻘﺪﻣﺔ ﻣﻦ ﻃﺮف ﺛﺎﻟﺚ‬ّ ‫ ﻓﺘﺮة اﻟﺘﺴﻮﻳﺔ ﻟﻠﻤﻄﺎﻟﺒﺎت‬٢/٥
‫ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﺑﺘﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺎت ﺑﻜﻞ ﻧﺰاﻫﺔ وﻋﺪاﻟﺔ دون أي ﻣﺴﺎوﻣﺔ ﺧﻼل ﻣﺪة‬
(‫ﻓﺮاد( وﺧﻤﺲ وأرﺑﻌﻴﻦ ﻳﻮﻣ¯ ﻫﺠﺮ ًﻳﺎ )ﻟﻠﺸﺮﻛﺎت‬Î‫أﻗﺼﺎﻫﺎ ﺧﻤﺴﺔ ﻋﺸﺮ ﻳﻮﻣ¯ ﻫﺠﺮﻳ¯ )ﻟ‬
‫ وﻓﻲ ﺣﺎل إذا‬،‫ﻣﻦ ﺗﺎرﻳﺦ اﺳﺘﻼم اﻟﻤﻄﺎﻟﺒﺔ ﻣﻜﺘﻤﻠﺔ اﻟﻤﺴﺘﻨﺪات ﻣﻦ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ‬
‫وﻗﺪﻣﺖ ﻣﻦ ﻣﻘﺪم‬ ُ ‫ﻛﺎﻧﺖ اﻟﻤﻄﺎﻟﺒﺔ ﻣﺴﺘﻨﺪة ﻋﻠﻰ ﺣﻜﻢ ﻗﻀﺎﺋﻲ ﻗﺎﺑﻞ ﻟﻠﺘﻨﻔﻴﺬ‬
.‫ ﻓﺈن اﻟﺸﺮﻛﺔ ﺗﻠﺘﺰم ﺑﻤﺎ ورد أﻋﻼه‬،‫اﻟﻤﻄﺎﻟﺒﺔ أو ﻗﺎم اﻟﻤﺆﻣﻦ ﻟﻪ ﺑﺈﺑﻼغ اﻟﺸﺮﻛﺔ‬
:‫ إﺧﻄﺎر اﻟﻤﺸﺘﺮك ﺑﺤﺎﻟﺔ اﻟﻤﻄﺎﻟﺒﺎت‬٣/٥
‫ وﻓﻲ ﺣﺎل ﻗﺒﻮل‬،‫ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﺑﺈﺑﻼغ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ ﺑﻘﺒﻮل أو رﻓﺾ اﻟﻤﻄﺎﻟﺒﺔ‬
‫اﻟﻤﻄﺎﻟﺒﺔ ﻛﻠﻴ¯ أو ﺟﺰﺋﻴ¯ ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﺑﺘﻮﺿﻴﺢ ﻣﺒﻠﻎ اﻟﺘﻌﻮﻳﺾ وﻛﻴﻔﻴﺔ‬
.‫اﻟﺘﻮﺻﻞ إﻟﻴﻪ‬
‫ﺗﻠﺘﺰم اﻟﺸﺮﻛﺔ ﺑﺘﺴﻮﻳﺔ وﺗﺴﺪﻳﺪ اﻟﻤﻄﺎﻟﺒﺎت اﻟﺘﺄﻣﻴﻨﻴﺔ ﻣﻦ ﺧﻼل إﻳﺪاع ﻣﺒﻠﻎ‬
‫اﻟﺘﻌﻮﻳﺾ ﻓﻲ اﻟﺤﺴﺎب اﻟﺒﻨﻜﻲ ﻟﻠﻤﺴﺘﻔﻴﺪ ﻣﺒﺎﺷﺮة ﻋﻦ ﻃﺮﻳﻖ رﻗﻢ اﻟﺤﺴﺎب‬
.(IBAN) ‫اﻟﻤﺼﺮﻓﻲ اﻟﺪوﻟﻲ‬
‫( ﻣﻦ ﻫﺬه اﻟﻤﺎدة ﺗﻠﺘﺰم‬١/٢) ‫ﻣﻊ ُﻣﺮاﻋﺎة اﻟﻤﺪد اﻟﻤﺤﺪدة ﻓﻲ اﻟﻔﻘﺮﺗﻴﻦ رﻗﻢ‬
‫اﻟﺸﺮﻛﺔ ﺑﺘﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺔ ﻓﻲ ﺣﺎل ﺗﻘﺪﻳﻢ اﻟﻤﻄﺎﻟﺒﺔ ﺑﻌﺪ إﺻﻼح اﻟﻤﺮﻛﺒﺔ‬
‫ﺻﻼح‬è‫ﻋﻠﻰ أن ﻳﻘﻮم ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ ﺑﺘﺰوﻳﺪ اﻟﺸﺮﻛﺔ ﺑﺎﻟﻔﻮاﺗﻴﺮ اﻟﻔﻌﻠﻴﺔ ﻟ‬
.‫وﻳﺸﺘﺮط ﻣﺒﺎﺷﺮة‬
‫ﻓﻲ ﺣﺎل ﻋﺪم اﻟﺘﺰام اﻟﺸﺮﻛﺔ ﺑﺘﺴﻮﻳﺔ اﻟﻤﻄﺎﻟﺒﺔ ﺧﻼل اﻟﻔﺘﺮة اﻟﻨﻈﺎﻣﻴﺔ دون‬
‫وﺟﻮد ﺳﺒﺐ ﻧﻈﺎﻣﻲ ﻳﺤﻖ ﻟﻠﻤﺘﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ ﺗﻘﺪﻳﻢ ﺷﻜﻮى ﻋﻦ ﻃﺮﻳﻖ ﻣﻮﻗﻊ‬
‫( أو اﻟﺘﻘﺪم ﺑﻄﻠﺐ إﻟﻰ ﻟﺠﺎن اﻟﻔﺼﻞ ﻓﻲ‬www.samacasres.sa) ‫ﺳﺎﻣﺎ ﺗﻬﺘﻢ‬
.‫اﻟﻤﻨﺎزﻋﺎت واﻟﻤﺨﺎﻟﻔﺎت‬
:‫ﺗﻲ‬Ò‫أﻣﺎ ﻋﻨﺪ رﻓﺾ اﻟﻤﻄﺎﻟﺒﺔ ﻓﺈن اﻟﺸﺮﻛﺔ ﺗﻠﺘﺰم ﺑﺎ‬
.‫أ( ﺗﺰوﻳﺪ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ ﺑﺄﺳﺒﺎب اﻟﺮﻓﺾ‬
‫ب( إﺑﻼغ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ إﻣﻜﺎﻧﻴﺔ ﺗﻘﺪﻳﻢ ﺷﻜﻮى ﻋﻦ ﻃﺮﻳﻖ ﻣﻮﻗﻊ ﺳﺎﻣﺎ ﺗﻬﺘﻢ‬
‫( أو ﺗﻘﺪﻳﻢ دﻋﻮاه إﻟﻰ ﻟﺠﺎن اﻟﻔﺼﻞ ﻓﻲ اﻟﻤﻨﺎزﻋﺎت‬www.samacasres.sa)
‫واﻟﻤﺨﺎﻟﻔﺎت اﻟﺘﺄﻣﻴﻨﻴﺔ اﻟﻤﻨﺼﻮص ﻋﻠﻴﻬﺎ ﻓﻲ اﻟﻤﺎدة اﻟﻌﺸﺮون ﻣﻦ ﻧﻈﺎم ﻣﺮاﻗﺒﺔ‬
.‫ﺷﺮﻛﺎت اﻟﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ ﻟﻠﻨﻈﺮ ﻓﻴﻬﺎ ﻣﻦ ِﻗﺒﻞ ﺗﻠﻚ اﻟﻠﺠﺎن‬
‫ج( ﺗﺰوﻳﺪ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ ﺑﻨﺴﺨﺔ ﻣﻦ اﻟﻮﺛﺎﺋﻖ واﻟﻤﺴﺘﻨﺪات اﻟﻤﺆﻳﺪة ﻟﻘﺮار‬
.‫اﻟﺸﺮﻛﺔ ﻓﻲ ﺣﺎل ﻃﻠﺐ ﻣﻘﺪم اﻟﻤﻄﺎﻟﺒﺔ ذﻟﻚ ﻣﻦ اﻟﺸﺮﻛﺔ‬
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz
Fraud: The right arising from this policy shall be forfeited if the claim
involves fraud; or if the insured, the driver, or the agent of any of them,
or a third party uses fraudulent ways or methods to gain benefit from
this policy; or if liability or loss results from a deliberate act by the
insured, the driver, or others or due to collusion with any one of them.
The company may recourse to any party who appears to have been
responsible for this fraud either by participation or collusion.Then the
company, however, shall be committed to indemnify a third party if his
intention is good.
6. Other Sections
6.1. The company's right to include the insured's name
in the system of the company authorized to gather
Credit Saudi information of customers:
The company has the right to include the name of the insured in the
system of the company authorized to gather the information of
customers.
6.2 Participant or authorized driver’s commitments
when an accident covered under this policy occurs:
a) Shall inform the concerned authorities as soon as an accident,
covered under this policy occurs, and shall not leave the scene of
the accident until procedures have been completed, except in cases
where leaving the scene of the accident is required, such as in the
case of physical injuries.
b) Shall not claim responsibility with the intention of harming the
company, pay, or undertake to pay any amount to any party involved
in the accident except after obtaining a prior written approval from
the company.
c) Shall cooperate with the company, and issue powers of attorney
enabling the company to carry out the proceedings, defending and
settlement procedures on behalf of the insured or the driver.
d) To do all needed work on the account of the participant’s fund,
to enable the company, in its capacity as the manager of the
participants’ fund, to collect any due amounts from any third party
that arises as a consequence to amounts paid by the company from
the participant’s fund under this policy.
6.3. Alterations:
The insured shall, within 20 working days, notify the company of any
substantial change stated in the insurance application form. The
company shall notify the insured if it wishes to raise an additional
amount to the subscription, or to return part thereof in the event of
a reduction in the subscription. If the company does not notify the
insured, it shall mean its consent to continue coverage with the same
subscription agreed upon the contract.
6.4 Complaint Procedure
Al Rajhi Takaful aspires to be the preferred Motor Takaful provider
measured by operational excellence and customer satisfaction. Our
aim is to provide excellent service to our customers. However, we
recognize that sometimes things could go wrong. Complaints if any,
could be send to our Customer Care Unit who will analyze your
complaints, follow up and solve them quickly with the departments
concerned in the company. You can send your complaints through any
of the following means of communication:
P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017
‫ ﺗﺴﻘﻂ اﻟﺤﻘﻮق اﻟﻨﺎﺷﺌﺔ ﻋﻦ ﻫﺬه اﻟﻮﺛﻴﻘﺔ إذا اﻧﻄﻮت اﻟﻤﻄﺎﻟﺒﺔ‬:‫اﻻﺣﺘﻴﺎل‬١
‫اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ أو ﻣﻦ ﻳﻨﻮب ﻋﻨﻬﻤﺎ أو‬
‫ﱠ‬ ‫ أو اﺳﺘﺨﺪم‬،‫اﻟﻤﻘﺪﻣﺔ ﻋﻠﻰ اﺣﺘﻴﺎل‬
،‫اﻟﻐﻴﺮ أﺳﺎﻟﻴﺐ أو وﺳﺎﺋﻞ اﺣﺘﻴﺎل ﺑﻐﻴﺔ اﻟﺤﺼﻮل ﻋﻠﻰ ﻣﻨﻔﻌﺔ ﻣﻦ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫اﻟﻤﺆﻣﻦ ﻟﻪ أو اﻟﺴﺎﺋﻖ‬
‫ﱠ‬ ‫أو ﻧﺘﺠﺖ اﻟﻤﺴﺌﻮﻟﻴﺔ أو اﻟﻀﺮر ﻣﻦ ﺟﺮاء ﻓﻌﻞ ﻣﺘﻌﻤﺪ ﻣﻦ‬
‫ وﻟﻠﺸﺮﻛﺔ اﻟﺮﺟﻮع ﻋﻠﻰ أي ﻃﺮف ﺗﺘﺒﻴﻦ‬.‫أو اﻟﻐﻴﺮ أو اﻟﺘﻮاﻃﺆ ﻣﻊ أي ﻣﻨﻬﻢ‬
‫ ﻋﻠﻰ أن ﺗﻠﺘﺰم‬،‫ﻣﺴﺆوﻟﻴﺘﻪ ﻋﻦ ﻫﺬا اﻻﺣﺘﻴﺎل ﺳﻮاء أﻛﺎن ﻣﺸﺎرﻛ¯ أم ﻣﺘﻮاﻃﺊ‬
.‫اﻟﺸﺮﻛﺔ ﺑﺘﻌﻮﻳﺾ اﻟﻄﺮف اﻟﺜﺎﻟﺚ إذا ﻛﺎن ﺣﺴﻦ اﻟﻨﻴﺔ‬
‫ أﻗﺴﺎم أﺧﺮى‬- ٦
‫اﻟﻤﺆﻣﻦ ﻟﻪ ﻓﻲ ﻧﻈﺎم اﻟﺸﺮﻛﺔ‬ ‫ﱠ‬ ‫ ﺣﻖ اﻟﺸﺮﻛﺔ ﻓﻲ إدراج اﺳﻢ‬١/٦
‫اﻟﻤﺮﺧﺺ ﻟﻬﺎ ﺑﺠﻤﻊ اﻟﻤﻌﻠﻮﻣﺎت اﻟﺴﻌﻮدﻳﺔ اﻻﺋﺘﻤﺎﻧﻴﺔ ﻋﻦ‬
: ‫ا ﻟﻤﺴﺘﻬﻠﻜﻴﻦ‬
‫ﺳﻮاء أﻛﺎﻧﺖ‬
ً ‫اﻟﻤﺆﻣﻦ ﻟﻪ ﻋﻦ ﺳﺪاد ﻣﺴﺘﺤﻘﺎت اﻟﺸﺮﻛﺔ‬
‫ﱠ‬ ‫ﻳﺤﻖ ﻟﻠﺸﺮﻛﺔ ﻓﻲ ﺣﺎل ﺗﻌﺜﺮ‬
‫اﻟﻤﺆﻣﻦ ﻟﻪ ﻓﻲ ﻧﻈﺎم اﻟﺸﺮﻛﺔ اﻟﻤﺮﺧﺺ‬
‫ﱠ‬ ‫إﺷﺘﺮﻛﺎت ﺗﺄﻣﻴﻦ أم ﻣﻄﺎﻟﺒﺎت إدراج اﺳﻢ‬
.‫ﻟﻬﺎ ﺑﺠﻤﻊ اﻟﻤﻌﻠﻮﻣﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ ﻋﻦ اﻟﻤﺴﺘﻬﻠﻜﻴﻦ‬
‫ اﻟﺘﺰاﻣﺎت اﻟﻤﺸﺘﺮك أو اﻟﺴﺎﺋﻖ اﻟﻤﺼﺮح ﻟﻪ ﻋﻨﺪ وﻗﻮع ﺣﺎدث‬٢/٦
:‫ﻣﻐﻄﻰ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
‫ وﻋﺪم ﻣﻐﺎدرة ﻣﻮﻗﻊ اﻟﺤﺎدث إﻟﻰ ﺣﻴﻦ‬،‫أ( إﺑﻼغ اﻟﺠﻬﺎت اﻟﻤﺨﺘﺼﺔ ﻓﻮر وﻗﻮع ﺣﺎدث‬
‫ وﻳﺴﺘﺜﻨﻰ ﻣﻦ ذﻟﻚ اﻟﺤﺎﻻت اﻟﺘﻲ ﺗﺴﺘﻠﺰم ﻣﻐﺎدرة ﻣﻮﻗﻊ اﻟﺤﺎدث‬،‫إﻧﻬﺎء ا«ﺟﺮاءات‬
.‫ﻣﺜﻞ وﺟﻮد إﺻﺎﺑﺎت ﺟﺴﺪﻳﺔ‬
‫ب( ﻋﺪم ا«ﻗﺮار ﺑﺎﻟﻤﺴﺆوﻟﻴﺔ ﺑﻘﺼﺪ ا«ﺿﺮار ﺑﺎﻟﺸﺮﻛﺔ أو اﻟﺪﻓﻊ أو اﻟﺘﻌﻬﺪ ﺑﺪﻓﻊ‬
‫أي ﻣﺒﻠﻎ ®ي ﻃﺮف ﺑﺎﻟﺤﺎدث إﻻ ﺑﻌﺪ اﻟﺤﺼﻮل ﻋﻠﻰ اﻟﻤﻮاﻓﻘﺔ اﻟﻜﺘﺎﺑﻴﺔ اﻟﻤﺴﺒﻘﺔ‬
.‫ﻣﻦ اﻟﺸﺮﻛﺔ‬
‫ وﺗﺤﺮﻳﺮ اﻟﻮﻛﺎﻻت اﻟﺸﺮﻋﻴﺔ اﻟﺘﻲ ﺗﻤﻜﻨﻬﺎ ﻣﻦ اﺗﺨﺎذ‬،‫ج( اﻟﺘﻌﺎون ﻣﻊ اﻟﺸﺮﻛﺔ‬
.‫ أو اﻟﺴﺎﺋﻖ‬،‫اﻟﻤﺆﻣﻦ ﻟﻪ‬
‫ﱠ‬ ‫إﺟﺮاءات اﻟﻤﺮاﻓﻌﺔ واﻟﻤﺪاﻓﻌﺔ واﻟﺘﺴﻮﻳﺔ ﻧﻴﺎﺑﺔ ﻋﻦ‬
‫د( اﻟﻘﻴﺎم ﺑﺠﻤﻴﻊ ا®ﻋﻤﺎل اﻟﻼزﻣﺔ ﻋﻠﻰ ﻧﻔﻘﺔ ﺻﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ ﻟﺘﻤﻜﻴﻦ‬
‫ ﺑﺼﻔﺘﻬﺎ ﻣﺪﻳﺮة ﻟﺼﻨﺪوق اﻟﻤﺸﺘﺮﻛﻴﻦ ﻣﻦ ﺗﺤﺼﻴﻞ أي ﻣﺒﺎﻟﻎ‬- ‫اﻟﺸﺮﻛﺔ‬
‫ﻣﺴﺘﺤﻘﺔ ﻣﻦ أي ﻃﺮف آﺧﺮ ﻧﺘﻴﺠﺔ أي ﻣﺒﻠﻎ ﺗﻘﻮم ﺑﺪﻓﻌﻪ ﻣﻦ ﺻﻨﺪوق‬
.‫اﻟﻤﺸﺘﺮﻛﻴﻦ ﺑﻤﻘﺘﻀﻰ ﻫﺬه اﻟﻮﺛﻴﻘﺔ‬
:‫ اﻟﺘﻐﻴﻴﺮ‬٣/٦
‫اﻟﻤﺆﻣﻦ ﻟﻪ إﺷﻌﺎر اﻟﺸﺮﻛﺔ ﻛﺘﺎﺑﻴﺎ ﺧﻼل ﻋﺸﺮﻳﻦ ﻳﻮم ﻋﻤﻞ ﻋﻦ أي ﺗﻐﻴﻴﺮ‬ ‫ﱠ‬ ‫ﻋﻠﻰ‬
‫اﻟﻤﺆﻣﻦ‬
‫ﱠ‬ ‫ وﻳﺠﺐ ﻋﻠﻰ اﻟﺸﺮﻛﺔ إﺧﻄﺎر‬،‫ﺟﻮﻫﺮي ﺻﺮح ﺑﻪ ﻓﻲ ﻧﻤﻮذج ﻃﻠﺐ اﻟﺘﺄﻣﻴﻦ‬
‫ أو إﻋﺎدة ﺟﺰء ﻣﻨﻪ ﻓﻲ‬،‫ﻟﻪ ﻓﻲ ﺣﺎل رﻏﺒﺘﻬﺎ ﻓﻲ زﻳﺎدة ﻣﺒﻠﻎ إﺿﺎﻓﻲ ﻋﻠﻰ اﻻﺷﺘﺮاك‬
‫ وﻋﺪم إﺧﻄﺎر اﻟﺸﺮﻛﺔ ﻟﻠﻤﺆﻣﻦ ﻟﻪ ﻳﻌﻨﻲ ﻣﻮاﻓﻘﺘﻬﺎ ﻋﻠﻰ‬،‫ﺣﺎل ﺗﺨﻔﻴﺾ اﻻﺷﺘﺮاك‬
.‫اﺳﺘﻤﺮار اﻟﺘﻐﻄﻴﺔ ﺑﺬات اﻻﺷﺘﺮاك اﻟﻤﺘﻔﻖ ﻋﻠﻴﻪ ﻋﻨﺪ اﻟﺘﻌﺎﻗﺪ‬
‫ إﺟﺮاءات اﻟﺸﻜﺎوى‬٤/٦
‫ﻋﻠﻰ اﻟﺮﻏﻢ ﻣﻦ ﺳﻌﻲ اﻟﺸﺮﻛﺔ ﻟﺘﻜﻮن أﻓﻀﻞ ﻣﻘﺪم ﺧﺪﻣﺔ ادارة ﻣﻄﺎﻟﺒﺎت‬
‫اﻟﻤﺮﻛﺒﺎت ﻟﻠﻤﺸﺘﺮﻛﻴﻦ ﻓﺎﻧﻪ ﻓﻲ ﺣﺎل ﻋﺪم ﺳﻴﺮ ﻣﻄﺎﻟﺒﺔ اﻟﻤﺸﺘﺮك ﺑﺸﻜﻞ‬
‫ﺻﺤﻴﺢ ﻓﺈن اﻟﺸﺮﻛﺔ ﺗﻠﺘﺰم ﺑﺈﺣﺎﻟﺔ اﻟﺸﻜﻮى اﻟﻤﺮﻓﻮﻋﺔ إﻟﻰ وﺣﺪة اﻟﻌﻨﺎﻳﺔ‬
.‫ﺑﺎﻟﻌﻠﻤﺎء وﻣﺘﺎﺑﻌﺘﻬﺎ وﺣﻠﻬﺎ ﺑﺎﻟﺴﺮﻋﺔ اﻟﻤﻤﻜﻨﺔ ﻣﻊ ا«دارات اﻟﻤﻌﻨﻴﺔ ﻓﻲ اﻟﺸﺮﻛﺔ‬
Head Office: Platinum Centre,
3rd Floor, Setteen Street, Al Malaz
Contact Addresses :‫ﻋﻨﺎوﻳﻦ اﻻﺗﺼﺎل‬

Toll Free No. 920004414 ٩٢٠٠٠٤٤١٤ :‫ﻫﺎﺗﻒ ﻣﺠﺎﻧﻲ‬

Fax: 966 11 4751852 ٩٦٦١١٤٧٥١٨٥٢ :‫ﻓﺎﻛﺲ‬
Email: customerservice@alrajhitakaful.com customerservice@alrajhitakaful.com :‫اﻟﺒﺮﻳﺪ اﻻﻟﻜﺘﺮوﻧﻲ‬
Website: www.alrajhitakaful.com www.alrajhitakaful.com :‫اﻟﻤﻮﻗﻊ اﻻﻟﻜﺘﺮوﻧﻲ‬

Upon receiving of your complaint, our representative ‫ﺑﻤﺠﺮد اﺳﺘﻼم اﻟﺸﻜﻮى ﺳﻨﻔﻴﺪﻛﻢ ﺑﺎﻻﺳﺘﻼم وﺳﻴﺘﺼﻞ ﺑﻜﻢ اﻟﻤﻮﻇﻒ‬
will acknowledge receiving, and will contact you to help .‫اﻟﻤﺨﺘﺺ ﻟﻤﺴﺎﻋﺪﺗﻜﻢ ﻓﻲ ﺣﻞ اﻟﺸﻜﻮى‬
resolve the complaint.

For Al Rajhi Takaful ‫ﻋﻦ ﺗﻜﺎﻓﻞ اﻟﺮاﺟﺤﻲ‬

Authorized Signatory: ‫اﻟﻤﻔﻮض ﺑﺎﻟﺘﻮﻗﻴﻊ‬

P.O Box 67791, Riyadh 11517, Kingdom of Saudi Arabia Head Office: Platinum Centre,
Al Rajhi Co. for Cooperative Insurance Tel: +966 114752211 | Fax: +966 114755017 3rd Floor, Setteen Street, Al Malaz